Cover that does not always pay!

Today I received a response on a claim that was submitted by the hospital to Bonitas.

Response: Your claim was submitted after the valid claiming time period (stale claim).

I can't fathom what point of having medical cover when you get a response as such, does one focus on recovering or on ensuring that claims are submitted by the hospital, as per the time frame.

Seems like a perfect response to aviod paying towards the claim.

I took cover to ensure that I would be covered should the need arise... obviously this not always the case.