Are any health insurance companies more difficult to claim from than others?

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I have noticed lately that a lot of people here (me included) are considering their options and asking questions before renewing health insurance cover.

Thanks to Snowyb who seems to be on call to answer questions at a moments notice, some of us have made much better choices re health insurance.

All these questions got me to wondering if there is a difference or difficulty with different health insurance companies when one actually puts in a claim?
Is any one company more user friendly?
Do they create problems or do they pay up promptly?

In your experience which are the most user friendly health insurance companies and which have you felt the least helpful?

As this can be an emotional issue, please try to be objective when answering to try to help others in their choices of insurance provider.
 
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