Now-health
★ 3.5
now-health.com
I am giving this company one star simply because the rating system does not allow me to give less.
I am giving this company one star simply because the rating system does not allow me to give less.
I have never had such a frustrating experience with an insurance company. Everything seems fine until you actually need to use the insurance. Then you discover that the real challenge is not recovering from your injury — it is getting your claim processed.
I injured my ankle and have now had to submit and reopen my claim multiple times. I provided detailed documents from my doctor, detailed explanations of how the accident happened, treatment information, consultation dates, medical expense calculations, and additional documents that I had to pay for out of my own pocket.
Despite this, I keep receiving requests for information that I have already provided. The same generic requests are sent repeatedly, making me seriously question whether anyone actually reads the documents before asking for more information.
I was asked to provide details about how the accident happened — despite already writing a detailed explanation in the claim form. I was asked for medical information — despite submitting documents from my doctor containing detailed information about my treatment and consultation dates.
At this point, it feels like the process is designed to make claiming reimbursement as exhausting and difficult as possible.
What makes this even worse is that this is a reimbursement-based insurance policy. You pay for your medical treatment yourself, sometimes pay additional money to obtain documents for the insurance company, and then have to repeatedly chase the insurer to process the claim.
I genuinely regret choosing this insurance. I would rather have paid significantly more for another company and received competent customer support when I actually needed to use my insurance.
Unfortunately, I am committed to the policy for the full term, so I cannot simply cancel it and move to another provider. That is honestly the only reason I am still a customer.
If you are considering this insurance, do not only look at the price. Ask yourself what will happen when you actually need to make a claim. Based on my experience, that is when the problems begin.
I have never had such a frustrating experience with an insurance company. Everything seems fine until you actually need to use the insurance. Then you discover that the real challenge is not recovering from your injury — it is getting your claim processed.
I injured my ankle and have now had to submit and reopen my claim multiple times. I provided detailed documents from my doctor, detailed explanations of how the accident happened, treatment information, consultation dates, medical expense calculations, and additional documents that I had to pay for out of my own pocket.
Despite this, I keep receiving requests for information that I have already provided. The same generic requests are sent repeatedly, making me seriously question whether anyone actually reads the documents before asking for more information.
I was asked to provide details about how the accident happened — despite already writing a detailed explanation in the claim form. I was asked for medical information — despite submitting documents from my doctor containing detailed information about my treatment and consultation dates.
At this point, it feels like the process is designed to make claiming reimbursement as exhausting and difficult as possible.
What makes this even worse is that this is a reimbursement-based insurance policy. You pay for your medical treatment yourself, sometimes pay additional money to obtain documents for the insurance company, and then have to repeatedly chase the insurer to process the claim.
I genuinely regret choosing this insurance. I would rather have paid significantly more for another company and received competent customer support when I actually needed to use my insurance.
Unfortunately, I am committed to the policy for the full term, so I cannot simply cancel it and move to another provider. That is honestly the only reason I am still a customer.
If you are considering this insurance, do not only look at the price. Ask yourself what will happen when you actually need to make a claim. Based on my experience, that is when the problems begin.
Critical Review
claim processing issues
frustrating experience
repeated document requests
poor customer service
insurance claim difficulty