if I can, I would have given a negative 5 star. they are the WORST you can ever get. Avoid them AT ALL COST. They tell you they cover all this and that when they try to get you as a client, but will try whatever they can to find a reason to decline your claim later. They also decline claims which would have been usually approved by any other insurance company in similar policy terms. They are also very slow in responses, super slow!!!! All you can contact them is through emails and they are not responsive. It caused so much unnecessary stress in particular when you need an answer before you can proceed with your medical treatment. What is also terrible is, they also sometimes have "technical errors" which results in you not receiving the payment of the claims which have already been approved by them too, when all your bank account info has always been the same. They also never follow up on your query emails and you need to wait forever and realise that no one is following it through for you and you have to spend the time on following up with them multiple times to get someone to reply to you , and many times they wouldn't answer all your questions and you have to ask again and again, and it’s nothing but causing extreme frustration on top of whatever medical illness you are having. I hope this can be an alert to anyone else who is considering them.