Stress Test

And now, stating the obvious: insurance companies exist to cause you as much pain and suffering as possible on top of any calamity you may have suffered.

Everyone knows their main purpose in life is to whittle down your claim as much as possible and then to delay payment as long as possible, preferably after making you jump through hoops whenever possible. In Hong Kong it's even worse because language differences get in the way.

In short, they make a quick recovery impossible.

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