HCI DOES NOT PAY!

We have been with HCI for about 6-7 years. They were good at first and fairly smooth for our claims. Then sometime in 2012, we noticed that our claims were taking longer and longer to get paid. At the end of 2012, we spent a long time but was eventually successful in obtaining PRE-APPROVAL for an operation for our daughter. Since the hospital that we used did not recognize HCI, we had to pay at the end of the procedure and then make a claim for reimbursement. The operation was done in December 2012 and it is now March 2014. Some 15 months later, we still have not been paid the outstanding amount of over USD 10,000. Along the way, we have dealt with countless "Claims Executives" that keep giving excuses one after another. After so long, we are just tired but still extremely frustrated with our experience. We even had pre-approval but that didn't matter. We are still not getting paid. To make it even more aggravating, we just received a reminder for renewal. Unbelievable. Absolutely terrible terrible company. DO NOT USE THEM! Looking at the more recent reviews on this site, it seems that many people have had similar experiences within the last 6 to 12 months. We are now switching to a much better company. Wish we hadn't renewed last year! Another funny thing about them. On their website, you will notice there is not a single name of anyone at the company. You cannot contact their CEO/Managing Director or anyone in management.