This is the worst insurance company. I won't recommend this insurance to anyone else. The consultants are good when it comes to sell products and when you need them they are nowere to be found. I was asked to provide the proof of how i tried to requested a call back from them and their app doesn't even give that history. I wonder how i was asked such a question when you know your app doesn't have that option. Now this turns to be a client problem when it comes to claim, but noone can ever show you that report. All you get told is someone will contact you ,but you will have to use your money to call them. Finally after getting hold of them they take long to respond if you are claiming and you will be luck if you will get the payout. I wouldn't recommend anyone to thos insurance.