This is true, but the reality is I doubted my insurance would pay from the start. I was expecting to pay for everything myself. It was only once I got the quotes in Singapore that I realised I might not actually be able to afford it that I resorted to the insurance. And their response was even worse than I expected it to be. I appreciate there are countless fraud attempts and they need to protect themselves, but I was lucky, it could have been a lot worse, I'm sure for other people it is. And I guarantee you when you're facing emergency surgery the LAST thing on your mind is "I best call my insurer and start the form filling process". It's fuck, FUCK. This fucking sucks.