******** with poor client service

This insurance company is the biggest ******** ever! They deduct the first premie and only then do they send you for medical examinations. When they receive the results it is always according to "their" criteria not good, which by the way is not realistic, and the monthly premium suddenly increases with a huge amount. They make the appointment for the medical tests from their offices, just to come back and say that the client did not go in time for the tests and therefore they do not have to refund, by now, the 2 premiums already paid! So once again you are *****ed and cheated out of a lot of money!