They will happily take your money but will move heaven and earth to avoid reimbursing you for even less than $20 worth of claims; truly trivial amounts of money.
They invested more paid manhours in avoiding paying out my claim than the claim was even worth and they'll do it to you too. If they'll fight you tooth and nail for $20 you can be certain they won't be there for you in a real medical emergency.
Here is my experience: They ask for a slew of documents related to my claim. Fair enough, I provide them.
But, oh no! The information -- doctor's letterhead, treatment plan (prescription medicine in this case), and diagnosis -- is not neatly separated but instead is all contained in a single document: the written doctor's prescription. They ask for the same information again. I send them a whole 1-page visual guide to help them read the simple document, pointing out with red boxes and arrows where the information they are looking for is to be found (all of this is in English, so no language barrier). They just re-send the same request for the same information. I send them a polite "As per my previous Email" reply after which they change tack to "oh you see your condition is chronic so it is not covered under the pre-existing conditions exclusion." You know, my condition that started ~3 months ago and has been thoroughly cured by the $20 medical intervention I am filing a claim for. I explain how this neither meets the definition for chronic nor pre-existing. But nope. Claim denied. At least they'll allow me to appeal the decision. But I will be looking for an insurance I can rely on instead.
If you're a lawyer and/or enjoy tedious and aggravating arguments about meaningless minutiae and process while you're sick and miserable, this might be insurance for you. Everyone else should look for another company.
It may not be a scam, but they'll do their best to make you feel like it is.
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