Let me start that this company is absolute fraud. I purchased this expensive insurance due to coverage for "acute onset of pre-existing condition". This is biggest bogus sales pitch. If you are purchasing based on this clause then never go for it. My father had an heart attack. He never had a medical history of high cholesterol, BP or Diabetes. He had his full physical done before travelling to US and 3 months before the incident. (We have the reports). After having a hot bath he got a severe heart attack (Called 911, electric shocks, angioplasty happened, $130k bill). HCCMIS denied that this happened due to pre-existing condition and not considered acute onset. I understand that this heart attack was due to unknown pre-existing condition, then what the hell is "acute onset". They said heart attacks are never or rarely covered. My question is why we should buy such expensive policy in the name of "acute onset" when other policies much cheaper covers accidents etc. I wasted $25, 000 in last 3 years by buying policy from them for my friends and relatives visiting US. I should have used that money to pay hospital bills. God curse these robbers.