My previous policies were with AIA, but they (or at least their agents) appeared terminally flaky. The best story came first: Some buffoon shows up at the office to explain the company-provided travel/health policy. I ask him if personal travel is included, and he says it is. I ask him if scuba diving is covered, and was surprised to hear it was. I ask him if there is any limitation for dangerous activities, and he says no. "So I can climb Mt. Everest naked and you'll pay for the helicopter to rescue me?" "Absolutely!"
Incidentally, helicopters can't fly up Everest as the air is too thin, and needless to say everything else the guy told me was also bullshit -- I sorely regretted not taping the conversation so I could have had his ass nailed. If I had believed the clown and eg. gotten bent while diving, I would have had a pretty medevac/decompression bill waiting for me...
I had occasion to file claims with them twice, one was handled promptly but the other is still at last check pending, some 4 months after it was entered. And now the stuff they tell me about policies over the phone doesn't match what their website says and they're not returning my calls, so AIA, you can kiss my shiny metal ass goodbye.
So... who's less bad? Prudential, Great Eastern, somebody else? Replies from insurance salesmen not welcome, I want to hear actual experiences with warts and all.
