They have paid for several consultations for me.
My husband injured his rotator cuff and they paid for consultation, xray, MRI and follow up consultation. They also gave approval for the necessary surgery which the consultant told us would cost £8,000. Unfortunately my dh was found to have chronic kidney disease and the operation has been postponed. Benenden agreed to put the approval on hold while the kidney issue is addressed.
They have been wonderful. Always efficient and polite.
You have to be a member for 6 months before qualifying for benefit.
My dh also had 6 sessions of physio, no doctor referral necessary. Their physio assessed him via a telephone appointment.
There is also a GP telephone line and several other similar.
I have several friends who also found it wonderful.
I would 100% recommend it.