Affinity Health - useless cover

The only reason why I gave Affinity a 1 rating, is because I did not have the option of giving them a zero. They advertise unlimited doctor visits, but be aware of the fine print. Since 1 January 2020 you have to get pre authorisation for doctor visits. I contacted them this morning for pre authorisation, but I was declined. After I had to pay in thousands and thousands last year for hospital for treatment they did not cover, I will have to pay for doctor visits myself now. I never had so much problems with a medical aid before. This is the best cover ever, if you do not claim. The day you claim, your problems starts. I pay over R3 500 per month for cover, which ad the additional offering of them, and then this. Be aware Affinity is a medical insurance and not a medical aid and therefor you do not get the tax benefit, another negative for Affinity. The amount of money I had to pay on medical cost from my own pocket is ridiculous, taking into account I am suppose to have cover. I will never recommend this cover ever and will spread my experience as much as possible.

Affinity's name in the industry is not good either. I had to pay a deposit last year for a hospital visit as the hospital said Affinity is a bad payer and therefor you have to pay the hospital and hope you get something back from Affinity. And this comment was made by two different hospitals.

At least you get what you pay for, cheap premiums gives you cheap cover.