skipnchar wrote:
If they provided you with the information, in what way is it a SCAM? Everyone is SUPPOSED to read their policy. Thinking that the insurance company is there to protect it's users is folly. They are there to protect themselves.
Merriam-Webster says "a fraudulent or deceptive act or operation
"
This particular incident is not fraudulent but could be deceptive depending on the wording. The art of deception is providing all of the information in a confusing or misleading way. So, yes it could be a SCAM with all of the information provided.
The OP feels it was deceptive and therefore a scam.