I applied for health insurance for my sister who is a minor. They come back after 4 months saying that the policy was not even issued, since it is not possible to issue it to just a minor without issuing to parent(s).
This is after the past one month of followups. No one at Apollo Munich knew how to deal with health insurance policies totally. They kept redirecting me, and never called me. I had to follow up all the time. People told they will be meeting me in 20 mins, same day and all, but never came down. Very immature company. I always thought she was covered from the day I paid the insurance, but she was not.