You talk about 'going after' the individual -- what are you going to do, bust his knees?
Personally, I took out their policy after being insured by BUPA Thailand /pre-Aetna and Cigna Global, when I had few other options -- and I made sure I had another option if they didn't come through -- but so far, due to the luick of the Irish, they have twice
And the words that you use which I will not repeat is why I consider your efforts disingenuous.