AGS health not doing what was told

They come across very informative and friendly. They seem very knowledgeable about the plans they explain. They tell you that they pay R95 000 per event and R150 000 a year. That sounded perfect for me, and this will give you peace of mind to know that you have this cover. I am a very healthy person, and this will be perfect. I even got some of my friends to join AGS, But when the day come that you need their support, everything changes. You do not have the R95000 per event. I enquired some time ago if they will cover carpal tunnel as i expected that that is what I have. They confirmed that they pay for carpal tunnel. I went to see a doctor and was directed to a specialist. Specialist also recommend that the gout tophi that I have, must be removed to ensure the use of my fingers. The specialist even wrote a motivation to AGS to explain the seriousness of these two procedures. He suggested that these procedures need to be done as soon as possible. The specialist asked for the first opportunity we can have the availability of the theatre. This was 26 October 2026, and we could get the theatre the 3rd of November 2026. I asked AGS people what amount they will pay as I need to see what amount I must get together for this procedure. Nobody could give me an answer, nobody knew, then I see how little knowledge this people have of what they sold you. They only have the knowledge and information to sell you stuff, after that they are clueless. I sent the quotations with the motivation letter to AGS. There was not a lot of time to get the authorisation that I needed before I can continue with these procedures. After they got the quotations that worked to a total of R98 000. This is an estimate of R45000 for hospital and R53000 for the specialist. I am still waiting for the account from the anesthetist. AGS then send me the authorisation for R32500, they state that this is only towards the hospital and any unused funds must be paid back into their ***. You have to sign this to agree that you will be liable for the rest. If you do not sign that document, you will not get anything. This was the afternoon before my procedures, so they actually force you to sign this...if you don't sign you get nothing... I also had to pay R10 000 before admission at the hospital, but AGS will get what is left on the hospital bill. It is clear that they don't care about you or motivation letters from specialists. I then phoned the authorisation people, and they just said that R32500 is the maximum they pay for carpal tunnel. They never mentioned the gout tophi that was also an emergency to do. They also told me that I must let them know if I cannot afford the other payments, I must let them know so they can cancel the authorisation. I will never have peace of mind with this AGS. I also told my friends and family that joined because of me telling them about AGS with as little knowledge of this policy as their people self. It is sa shame that they are so secretive and you get the surprise when you are standing before the day of the operation. That the staff cannot tell you that they only pay R32500, at least you can try to get this money together...To make a loan at a bank takes time. Rather pay more somewhere else and have peace of mind. AGS is the wrong place to have any peace of mind. I already sent me cancellation.