I have had top-up cover for 6 years but I have also had basic cover equivalent to the Social Security. Amariz works perfectly, with flexibility and great responsiveness from the speed of claims payments (less than a week) to issuing agreements to pay hospitals directly. The premiums are attractive and the benefits competitive compared to those of continental top-up insurers. The close contact, notable for its very British attention and politeness, is very noticeably human-sized compared to the bureaucratic customer relations of the large top-up insurers who, as a result of takeovers and concentration, are distancing themselves from their clients. I highly recommend Amariz for their reliability and professionalism.