Health and life insurance complaints are coming in all shapes and forms. When it comes to the health of the individual and his relationship with a company that is advertising itself as the financial guard of the individual, all sorts of things happen. Because of the complicated insurance rules, the efficacy and trustworthiness of a particular insurance provider can touch upon a number of matters, including deductibles, co-payments, exclusions, out-of-pocket maximums, etc. Sometimes it requires an experienced lawyer to verify the validity of the claim of the insured person, and that is why so many reviews seem confused and unjustified. At the same time, people rarely write positive reviews praising an insurance provider, as its services come as a given. Insurance is always an edgy subject in countries where health care is provided by mostly private companies, and a consumer wants to know all pros and cons before subscribing to a particular plan.