I chose this insurance due to its appealing interface, but the service was a nightmare during my illness. Despite submitting all receipts from my emergency room visit, I faced an eight-week wait just for acknowledgment while my finances dwindled. They rejected my initial documents, demanding overly specific medical reports that local clinics in Southeast Asia don’t typically provide, which forced me to make multiple trips back to the hospital while still recovering. Additionally, the marketing for the plan was misleading; I believed I was purchasing comprehensive health coverage, only to find it functioned like a minimal travel policy, excluding most care except for major accidents. If you need an insurance provider that genuinely supports you instead of overwhelming you with paperwork, look elsewhere.
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