Poor Service and attention to customer needs

I have been on medical aid without any breaks for the past 21 years plus. Almost 9 years on Bonitas Medical Aid before moving to another medical aid for last 3 years. I now app**** to return to Bonitas and after all the process of application I have been informed of a waiting period due to my age. I have no chronic conditions, no underlying medical issues and have always been on a medical aid. Then to add further insult when i receive my confirmation i note a late joiners penalty fee. I cannot seem to get a suitable answer or solution. Submitted medical aid certificates available from 2009 to current.