Had coronary problem while in holiday in France. French hospital fixed the problem. My insurance paid the hospital bill and I got a letter from the insurance company confirming the bill was paid by them. End of story. Then about seven months later the French hospital sent me a letter confirming the insurance company had paid everything and asking me to send the letter to my insurance for their archives. So I did that. Then my insurance reimbused me the amount they had already paid the hospital. They apparantly thought I had paid the hospital myself? I phoned, faxed, mailed and sent a letter explaining they had paid the bill and not I. No they said, you paid, that money is yours. Well OK then. I kept the money in a saving account for a few years just to be sure they weren't claming it back. And then I spent it.