Bupa commercial director Steve Flanagan has questioned the benefits of Tesco's new private medical insurance policies.
Tesco has launched the policies in a joint venture with AXA PPP.
Flanagan commented: "People may pay less for Tesco health insurance but it could cost them dearly in the end.
"Much has been being made of the no claims discounts on offer but these could discourage some people from seeking early treatment which can't be good. People should have access to high quality treatment as and when the need arises and not feel penalised or discouraged from seeking medical help.
"By not requesting a person's medical history when they first buy cover, people may not fully understand what they are covered for until they claim, which for some will be too late. We believe there should be no surprises and we make it very clear from the start what they are covered for.
"People buying health insurance should consult an independent financial adviser who will be able to help them find the most appropriate cover for their individual needs.
But Flanagan added: "However, anything which makes health insurance available to more people is good news for customers."
