I HAVE FILED A CLAIM with SAFETY WING/ WORLD TRIPS/TOKIO MARINE (all the same company) and what they did - they only found unreasonable excuses not to pay me! I got hospitalised in Thailand with Spontaneous Pneumothorax, the doctors told me its regular INSURED EMERGENCY CASE! MAP from Safety Wings tried to BARGAIN the hospital for too long NOT TO PAY THE FULL PRICE OF MY TREATMENT, so I had to pay all bills beforehand by myself because all their bargaining postponed my urgent treatment while I WAS IN A SEVERE PAIN!! The Pakistani guy is their so-called Medical Audit Professional, after my doctor talked to him he said "He is not a doctor, he has no medical knowledge!"
By now I still didn't get payed! They offer money to my hospital directly (half price) and now rejecting to pay me anything??? Easy target! Just find a stupid excuses, no need to pay!
PLEASE NEVER TRYST THIS COMPANY! THET ARE FRAUDS NOT THE INSURANCE COMPANY!