The worst medical cover in the world

They promise the world but they try by all means not pay anything. I have actually paid most of my medical expenses since I joined Affinity than what they paid. Worst experience ever was when I needed emergency care on New Years Eve. When I called for authorisation, the person on the line offered me some health tips and I had no time for that as I had already been through so much pain and had come to a decision that I needed emergency care. They refused to pay for any of the medication the doctors had prescribed. Soon after that I was sent from pillar to post trying to get them to pay the hospital and for lab tests. It took about 3 months of back and forth. Then I had to book for x-rays and it took ages for them to authorise. Getting them to pay was another nightmare and I paid more than their portion. They made me pay for all the medication the GPs ever prescribe. I could write a book, but let me end it here. My advice: DON'T take this cover! They will make you pay on your own and keep your premium for themselves..