I have "Private Health Care Systems" health insurance, administered by Principal. It's not the worst health insurance out there, but It's definitely not the best. Principal's phone reps are always very nice. However, whenever you get a new rep, you get told a new story. I absolutely dread calling them, not least because of the awful voice-response system that never understands what you say and won't let you just press 0 to speak to a human. However, so far Principal has covered most things related to my pregnancy.