I took Insurance from this company for my parents visiting from India( one pre-existing and one regular). My dad had a sudden pain in his tooth one day. We called up this insurance guys and told them our problem, they recommend us to go to the dentist immediately and to take care of the tooth. The dentist had to take out the tooth since it was and emergency and we could not wait until he goes back to India. We submitted the claim to HCCMIS but they rejected the claim saying it was not and accident. I called up the company but the call center guys can't give us any answers. We dont know if this was an accident but the guy we spoke with before going to the dentist confirmed that this claim is covered. But once we sent the claim to them they are refusing to pay us.
We took this insurance after checking the reviews and were planning to take it for my parents and in-laws for few more years. But now we have started looking for another company for my in-laws. the money we gave was useless. This is like donating money. We dont have to donate our hard earned money to these people, there are better organisations that we donate our money to. We want insurance coverage for emergencies. Dont care if its an accident.

please stay away from this company. The call-center guys refused to give me the direct contact to their supervisor, so no way to really talk to the higher management guys.

Veena