ANY EXCUSE NOT TO PAY CLAIMS

My daughter saw an educational psychologist at the school's request. The educational psychologist referred her to a child psychiatrist. Needless to say this ran to an expense of approximately R2600 ... upfront payment!!!! After paying this I emailed REFERRAL letter, invoice and proof of payment to Bonitas only to find out... they will not pay because there was no referral (as per their website member login). There was a referral idiots! Upon phoning the call center to find out who is the person that cannot read REFERRAL, I am told that the educational psychologist had to PHONE and get authorisation first. Please send me a copy of that exact phrase in my policy documents! I am so disgusted at your service, I pay my contributions every month, there are mental health benefits available for my daughter to use and SIMPLE LOGIC and a literate individual can certainly read that there was a referral and this is a necessary treatment... Bonitas just wants you to jump through hoops and changes their policy rules as they go along just to not pay your claims!!! WORST EVER!!!