SL&C Home Health Care Too Good to Be True?

Is anyone writing Standard Life and Casulaty's Home Health Care. If so, have you had any claims paid? The plan almost seems too good to be true. Those <age 70 can actually get back more than they pay every year in if they are taking any medications at all. Plus, the home care benefits are bad. Does not appear to require a period of hospitalization before being eligible for benefits.
Source of insurance-forums.net

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