Is Zhao Yan health insurance true?

Zhao Yan's health insurance is unreliable. My family bought it. The old man fell and fractured and was hospitalized. After leaving the hospital, he applied for insurance from Zhao Yan Health Insurance Company. The insurance company stipulated that the first trial should be completed within 30 working days. Actually, it's more than four months. It also shows that during the first trial, the phone can be turned on, and every answer is in a hurry, so review as soon as possible. In fact, there is no progress. There is no reimbursement result so far. I think this Zhao Yan health insurance is a lie. I hope everyone will be careful and don't be deceived again.