Basically a scam. The claim process is so bad, it is clearly designed to make it as difficult as possible to make a claim. After two attempted claims, I have found that claims are always rejected with no clear explanation. If you then go through the appeal process you will get a message stating something like "this condition is not covered" and no further details. When I spoke to the doctor about getting a letter of support and he asked which insurance company. When I told him, he looked at his system and advised that the hospital have refused to have any dealings with them after previous experience.
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