My Company has Genins as the only health insurance provider. Since last three years I have seen unlimited cases of claims not being processed within our company. But the worse was that one fine day I see a deduction in my salary and am told by the company that I changed my default plan to a plan that includes my parents and have to pay a premium. Amazingly my father is an army officer and does not need any such policy! But they forced me to pay the premium and told me I have no option to cancel the policy. You can well imagine the mental harassment I went through when I had to pay further premiums from my salary... They are BIG CHEATS! If your company offers Genins please take care and advice them against it!