Healthcare International Health Insurance - www.healthcareinternational.com

Terrible service, they denied two legitimate claims and delayed resolution for more than a year. They aren't even subject to Virgin Islands law so there is little or no recourse. Find other insurance.

My claim is now open for several months. I get reactions to my reminders but no action. Not trustworthy!

Months ago they reported, my claim now has been passed to the finance team for payment. Nothing happend, no Money, no Information. So l guess, Health Care International is not what they seem and l warn everybody, to contract with them.

I purchased a HCI policy for my wife. During the policy period she developed tendonosis in her left ankle and the doctor recommended surgery. I completed the claim form, had the doctor and clinic insert their information and submitted it to HCI for pre-approval, as required by the policy. The surgery was approved, but I was told that I needed to pay for it and then submit a claim for reimbursement. Did all that, and now we are told that the claim was denied because the tendonosis was a pre-existing condition. There was no pre-coverage history of this and our doctor confirmed that it was not pre-existing. HCI did absolutely nothing to investigate whether the condition existed during the five years prior to the inception of coverage, but simply denied coverage after they had authorized the surgery. To make matters worse, the policy requires arbitration in the Isle of Guernsey. To make matters worse, the policy provides that HCI's decision is prima facie proof of the existence of a pre-existing condition. In other words, just saying the words makes it a fact, unless I can prove that it is not. Done with this company forever

I don't know about you- but I believe in health insurance. I believe that you get what you pay for. I don't believe in a free hand out I do believe in fairness and truth! HCI does not hold that integrity or standard, and here's why... If you want to feel sick after you have needed medical treatment or dental, file and work with HCI and feel worse! I have been a HCI customer for YEARS! Why? Because we have no other coverage where I live. NONE. I have fought for every claim. Been sent to collections even when claims have been paid by me- then having to prove it,. I have been working with one agent for a couple of months. YES- I thought I had declined dental (additional 675.00 per year) As I was reading over my year end policy that was up for renewal, I saw that I HAD paid for dental. Yes my oversite. I contacted HCI immediately and said is there anything you can do to help me. I thought for sure I had declined based on the fact that HCI has raised the premium by 17-18% every year which has me giving up more and more options and benefits along with it. I was told in writing, yes we will waive the 3 month policy for filing your claim and review it all. I spent hours compiling, went and received all of my dental claim forms, receipts of payment, both individual and the gross ledger- (over 3500- US) sent the dental medical claim forms, all stamped. I spent over 138- in postage to ensure they had both hard copy and scanned copies via email of everything, I was pushed off onto other claim agents, who tried to say because I paid in CASH- I couldn't prove it?!! I had receipts from the dentist! I paid every cent. I sent everything in. My policy came up for renewal, how am I to pay yet again another installment of 646+ US when I hadn't received a penny of reimbursement back? But got plenty of run around and avoidance by the "senior claims agent" . I went for my allowed cleaning on February 22nd 2017! I paid in full- submit the paperwork and receipt (you have 90 days) to submit a claim. I submitted it all 11 days later March 3rd. Also making sure they had everything they needed to process the claims they had. They dragged this out and now say you didn't have all of the info to us by your end of year. THIS IS ONGOING because you keep making up excuses.... I have called and get told this man is unavailable. I have asked 3 times in writing for his supervisor, and a contact., I have sent everything back to him proving he had all information prior to. I sent the final claim in days after treatment that I was entitled to and paid for in my covered year. This is exhausting! I have now spent money for legal advice in counsel. I know I should just walk away, but I work hard day in and day out for every penny I make. I have paid in coverage to HCI tens of thousands for coverage... Buyer be ware. You will not communicate with the same person, you will be given the run around, and not reimbursed. The worst was that I contacted renewals saying may I please renew out of fear as soon as this is resolved? Of course they will take more of your money- BTW does anyone have a contact number for this reply--- There is no such listing on their site (imagine) From claim agent: "If you unhappy with any of this, you would need to put your complaint in writing addressed to the Compliance Officer. Once it has been escalated, if you are still dissatisfied you may log a complaint with the Financial Ombudsman Service." I have asked for contact info for both... I want to speak to your supervisor... In the meantime with over 1000 of us here where we live in a group policy- I will begin a campaign with our group and globally to see who else is being treated this way and because we are out of the UK- they're getting away with it? I now have nothing to lose by hash tagging and blogging about this DAILY for forever!

I've lived away from my home country for more than a decade and have found this company to be the best option to suit my travelling lifestyle. There isn't a place on earth they don't cover in or at least as far as I know so it really puts me and family at ease, when one travels as much as I do it's a priceless convenience. I find them accessible and always most helpful around the clock and it gives a great feeling of security. Overall I have not been disappointed with them. I understand my policy, they help with any additional info I need, specially when going to far away countries in ex-soviet Union and it works!! I would absolutely recommend them to anyone travelling to of the track countries for work, studies or adventure. Well done to the team at HCI, thank you!

From the first initial contact that myself and my elderly mother had in dealing with Healthcare International to the very end contact, we were made to feel like premier customers. The process was so fluid, efficient and friendly we were amazed at how quickly that we were able to gain what we needed, we ended up looking into further policies within the group. My mother has now switched her life insurance policy to be with HCI! I really liked the fact that everything was so flexible and tangible and I have recommended to my colleagues.

I have been with them for 10 years with few claims. I now have multiple claims outstanding for over 4 months with no sign of resolution. I have since filed additional claims and still no action on those either. All claims have to filed within 3 months of the event and all claim have to be file by post! We have a high deductable policy, so most years I am filing claims that never get paid anyway as they are under my deductable. A waste of time, energy and money. Insurance is useless if they don't pay when you need them. I will be renewing with another insurer even if the policy costs more.

I have been reading some of the reviews on this site, and I have to admit, I have had a great experience with HCI. I have had this insurance for 5 years, and they have been great.

A couple of years ago I was having trouble with my back. I was told that I had to have a very sensitive surgery. HCI was great. They communicated with all my doctors, the hospital and a special surgeon that had to come from out of town to perform the surgery. As it turned out, I started feeling better before the surgery, and two days prior to the surgery I was told that I would not need the surgery. I had already had many tests, and preliminary procedures that would lead up to the operation. Even though I did not have the surgery, HCI took care of everything, communicating directly with the hospital and doctors to cover the payments.

I have the premium plan with dental. I have the payments wire transferred directly into my bank account to avoid large fees for receiving a check from a British bank.

The only time I had any delays in receiving my refunds was when HCI was changing their reinsurers in 2013. They were honest and up front with me and let me know they were having a delay, which was causing a delay with my refund.

I live in a place where it is very hard to find any individual health care plans for any kind of reasonable pricing. I feel that HCI is a great option for me and my family. Generally it seems that only the people with problems write in to these review sites. I felt it was fair that I write in my positive experiences. Because it is so difficult to find good insurance here, I have several friends that also have HCI and are very happy with their insurance. People that are happy do not feel they have a need to vent. I can only express our experience with HCI, and it is very positive.

Same experience as most others. Over 3 months since they received a simple claim for dental treatment. I pay for the supposedly best, all-encompassing policy, yet am out of pocket. Going to the ombudsman.