Isoa Reviews

I have never claimed from my policy and then my school enrolled me in a different insurance company and when I called the customer service to check whether I could cancel the policy I experienced the worst customer service ever they didn t listen to me completely and at the end they said no and didn t even ask me if I had any other questions And moreover the iso org website is not user friendly it had very minimal options to browse I would not prefer this to my friends

Being very cautious to buy ISO insurance if you would face cancelling the policy during your purchased insurance period We have over two years experience using ISO for my son s insurance Recently because of my son was qualified to have another insurance rather than international student F1 they were asking me to provide my son s personal ID information to proof himself to cancel the policy We rejected to provide it as we thought they had no rights to ask our personal information Since we have paid a full year policy and consumed less than three months we should have the rights asking for the refund which we prepaid However we got their reply as below Hello The following is the refund policy of your plan Premium refunds will be considered only for entry into the armed forces Unearned funds will be refunded for the number of full months only The refund request must be in writing and your medical insurance ID card must be returned with your request Premium refunds will not be considered if a claim has been filed during the period of coverage All refunds are subject to approval by the plan manager A 50 ISO processing fee is applied to all approved cancellation As you do not meet the cancellation criteria we are unable to provide a refund for the remaining months on the plan This information can also be found it he policy brochure page 11 That means whatever I provided my son s information or not they wouldn t refund anything to us because of the terms in the policy It s not only about the refund but the consumers rights Anyone should pay for the service or product they willingly and actually receive it The contract leaves us no choice to defend ourselves because the limits in the refund terms If the policy bonded with the terms infringing consumers rights to make a free choice is this contract still protected by law legally

not bad worthy

After a bad experience with the company I made a review here and just after that HealthSmart solutions the company that manage the claims for Isoa plans contacted to solve my case In summary I had an infection in my ear channel and they considered pre-existing condition I kept insisting on it cause it is totally unreasonable I sent all information called at least 20 times and the attendants always told me that it would be reviewed and that I should call again My physicist provided all my medical records to prove that they were being unethical and after months and months of attempts I ended up sending an appeal letter and even though they denied my claim with poor explanation After I made this review here Isoa finally could see my bad experience and worked with its claim administration to finally review and correct the situation They ended up paying for all expenses after some calls and negotiations as an attempted to diminish all inconveniences and situation that I went through I feel comfortable now that they did it and the company image looks much better to me now Although they demonstrated pro activity in solve a customer dissatisfaction it is clear that there is a lot of room for improvement It is not acceptable that a situation must be brought up this way to capture the company s customer service attention At least there is someone dedicated and monitoring it I sincerely hope that my case triggered some actions that will led to improvements that enhance customer experience with Isoa Since they solved the situation after all I updated my review to reflect the last facts

The agent I spoke to was knowledgeable and straightforward

You should have translators or multilingual profesional who can speak different languages Remember international students

Jenny was very helpful by email when trying to get answers to some questions I had re the ISO elite care plan However I do feel having some extra staff to answer the telephone would be good as it was impossible to get through The phone line is constantly engaged TKU Jenny Best Regards Marie

Very fast service through their watsapp platform

Great I will recommend my friend to use it It should be more convenient

The employer was helpful on the phone and gave me useful information I needed