BONCAP is poor medical aid that takes money and cover nothing

Not happy with BONCAP medical aid. They cover nothing and everything is pre-authorisation and have to wait for a letter, that takes so long to tell you its declined in the last minute. The staff that holds the fort for BONCAP only understand DECLINE at the last minute, yet this is paid medical aid. I am becoming increasingly frustrated with the handling of matters by BonCAP. In both instances that my parents needed medical specialist, i have experienced the exact same situation.

I am concerned by what appears to be a lack of care and coordination expected from a professional medical aid provider. Please take note of the following: 1. I initially received confirmation that the treatment was approved. 2. The treatment is for a cardiologist, a specialist that BonCAP itself recommends within its network. It has nothing to do with the exclusion. 3. This appointment was scheduled as far back as January 2026 for today, 30 March 2026, after a long waiting period for the network approved cardiologist. 4. On Friday, I received two conflicting emails within a short time (14:20) — one approving and one declining the request linking this to diabetes exclusion. 5. Both communications state that there is no late penalty, yet the outcome has now changed at the last minute.

The decline states that the consultation relates to diabetes and falls under an exclusion until 31 May 2026. However, this does not explain the initial approval, nor does it justify the timing of the reversal just before the appointment. BONCAP decline everything and try to link to an exclusion. So they take your money for 12 months, put you tru a hearty process so the claim is declined. The Medical council will be engaged on this bad behavior, as other customers cannot be subjected to this behavior. PS, remember BONCAP, we are paying for medical aid, its not free, and it not cheap