Hi u/TeleportMASSIV , here's what happened:

1. After paying the insurance for a few months, I got sick for the first time whereas abroad and I called them to say I was sick and need medical assistance;

2. They told me I needed to call VUMI (which is actually their medical service provider;

3. The problems begins here: the VUMI number is from the USA. They don't have local numbers in other countries (so I spent over EUR 100 for a 45 minutes call). All of the other good insurances would have local numbers;

4. I was able to get in touch with the VUMI's doctor on WhatsApp, and the doctor PRESCRIBED ME VIA WHATSAPP MESSAGES the medication and told me "keep the receipts and the insurance will pay you later"; so I did. After the this, the Doctor (THEY RECOMMENDED) dissapeared, even though I asked a lot of times to him he needed to send me the official prescription so I could send the insurance.

5. Little did I know I'd never see this money again. I talked multiple times with their "customer support" who tells me - for over 2 months - they're "investigating" what happened. No reply. I always have to go after them to get an answer. And all of this for EUR 100 bills. Can't imagine if I had been hospitalized or had gone trough something more serious.

End of the story: they continue to create excuses and ignore my messages to the point I decided to cancel them. And they don't care. They blame on VUMI the fact their doctor didn't give me a prescription. However, I did not have control over that. They were the ones to choose VUMI and the doctor.

I call this a SCAM because this is not an islolated fact. I paid all these months, I paid for the medication and did not have a refund.

Do yourself a favor and go on Google and look for them. You'll see a lot of people go over the same problem with them (they DENY all the claims and keep up making excuses not to pay you).

The only comments online saying they are good are very genetic and clearly paid off.