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Review of BNP Paribas Cardif Netherlands

I have had a mortgage relief policy with BNP for 1...

I have had a mortgage relief policy with BNP for 12 years.
I thought I was well insured. What is going well is monthly depreciation. As soon as you need insurance, you realize that you have paid all years for nothing. Unemployment coverage is very limited.
The medical claim is even worse. So much information is required to submit an initial claim and is not enough yet, as well as a power of attorney from doctors. If BNP requests the information and does not receive it, they do so by post and claim is allowed by e-mail (also concerns the medical information) then responsibility falls with you, otherwise the claim will be stopped. Telephone contact does not make you happy. You have to listen and do what they ask. Totally non-cooperative.
I have been waiting for 3 months for the claim to be settled and it is not in sight. Then why ask for power of attorney. I could also request information from doctors myself if I am responsible for providing all documentation. Also the person who can request BNP itself, but it is indeed better that the claim is not complete.
And believe me, they have more than enough information from me, the company doctor and the general practitioner and UWV.
The product and processes were created to deny the claim. All tactics are in place. THEY DO EVERYTHING TO REJECT THE CLAIM. THAT IS IN THE NATURE OF THE COMPANY.
DON'T MAKE A BIG MISTAKE TO BUY INSURANCE WITH BNP.
YOU HAVE INSURANCE BUT YOU ARE NOT INSURED
Read the terms and conditions, there are many contradictions and negatives, with few cases at the end of the coverage ratio. Filing a claim is very discouraging.
CLAIM REQUESTS SO MUCH INFORMATION THAT I HAVE CONCERNED ABOUT MY PRIVACY. - NO OPTION, OR EXPOSE YOUR LIFE OR NO CLAIM.