Disgusting ********* behaviour

I have a hospital plan policy with AIG from 2016. They use their terms and conditions to prevent settling a claim. They require a motivational letter from a specialist and not your general practitioner. All clinical information is required and given to their so called team of medical experts who happens to be a general practitioner. He reviews all information and gives his opinion which AIG uses to reject the claim. They well aware to fight this take time and depend on that so you must cancel the policy out of frustration. Those motivation letters cost minimum R1000 THAT YOU MUST PAY AND THEY TELL YOU ITS COMPULSORY FOR CLAIM TO BE ASSESSED. SAD REPORTING THEM TO THE OMBUDSMAN NEVER HELP. THESE DOCTORS OVER RODE JUST ABOUT ALL MY CLAIMS. THEY OCERRODE SPECIALIST PHYSICIANS, cardiologists, neurologist and even a gynaecologist and obstetrician in another case.