We purchased HCC as visitors insurance for my mom visiting US. We brought the best insurance possible through HCC with pre-existing coverage in case of life threatening emergency. When she was here got stomach upset and we had to go to urgent care and then ER because of ECG variation. It appears it was acid related issue due to the sudden changes in food habit as she was not used to restaurant food. HCC denied our medical claim by saying it was a preexisting condition. We tried to convince them that she never had before or after any sign of acid reflex, very healthy women with no history of blood pressure, diabetic or any heart related issues. Then they came back and said she had an Appendicitis surgery 20 years back and she had abdominal pain for two to three weeks, so its pre-existing (we were renewing policy monthly). Long story short they dont pay for the claim...yes they can find any silly loop hole to say its preexisting. When we asked on what basics and evidence you are telling it is pre-existing condition, answer really surprised me, they dont need any evidence, they just believe it is pre-existing condition and they have the every right to deny a claim if their is an uncertainty about a medical condition!! No past evidence needed!! I believe its an act of fraud...