I would say bad customer service, but since there are no customer service, I can't rate them. If the system allowed 0 stars, I would give them that!

I have tried to submit claim docs in November. No feedback. Then I phoned in early December, and they said email it to a different email address. Then a week later, I phoned again, and they said no new claims can be sent via email since December. (Why could the consultants I spoke to on the 3rd of December not tell me this????) Since then, I have made about 20 phonecalls to their offices (Some consultants just hung up whilst I was trying to explain my situation and frustration). Some offered to assist (I had to mail them screenshots to show that the system they have is not working). I never received feedback again. Finally, someone agreed that his manager will phone me back.... Two days later and 0 phonecalls. This must be the worst service-oriented company in the country. I don't know how you are still in business!!!