Originally Posted by
bostontraveler
(...) I have never had to use their medical insurance but these kinds of horror stories make me very uncomfortable.
Same here.
What to do? Calling them will lead to them saying that they always adhere to the T&C.
Once your are in an emergency situation, the last thing you want to have to do is argue with them.
However, reading the story, I tend to think that our friend had to deal more with an incompetent individual rather than with an insurance company whose corporate policy is to deny coverage at the risk of letting people without medical care. How can we know for sure unless we interview 100's of clients?