Affinity health - empty benefits

I I'm very disappointed in Affinity health. They are very fast to sell you the medical aid policy and they are very fast to take your money every month. I will never ever suggest anyone to go or use affinity health never. I were sick and went to casualties, I had to pay for everything myself. I went to see a doctor for my arm that was painful the Dr send me for x-rays and a sonar. Which again I received an account for and had to pay again. The doctor told me that I would need an operation on my shoulder. I did send an email to affinity's Pre-Authorisation. The next day I got a call from one of the consultants that ask me when did I had the car accident, I were very surprised and ask him what car accident I did not say anything about a car accident 😡 They emailed me papers that the Dr needed to fill in and I did mailed it back. Then they wanted quotations for the hospital and Dr and and. I did get everything and mailed it to them, and 2 days before I had to go for the operation they send me a email to say it's been declined. I think it is bull ****. We as members paid every month and could not use any of the benefits that were promised. They sit behind the desks and collecting people's money for nothing, it's like *****ing money. I feel that they need to refund the members money

Christelle .