World Health insurance is the worst insurance a person could buy. They don't pay claims to the point you have to pay the doctor yourself. If you want to avoid collections,' YOU' better pay yourself. The insurance company will eventually pay once, you appeal their decision, and it takes forever. They've raised my premium from $212 two years ago to $539 a month, and I've only had two small claims. Don't buy World insurance..you'll be given the run-around constantly. Find a better insurance, I hear Golden Rule is good. I'm applying for GOlden Rule. Thanks,