Rather die than claim. Conflicting answers/reasons

For 20 years Mom's been a member through her pension. For 20 years it's been the same plan, because of her chronic meds which is lacking in the others. She's not on a hospital plan or saving plan, it's the highest medical aid they offer. She pays nearly R5000 a month.... Suddenly since October they paying nothing. Everything is either an exclusion or benefits exceeded. Two drs visits paid only 50% (benefits exceeded ?) one blood test 80% (motivation on results- issued by dr suddenly there's no "code" for it) BMD scan exclusion and benefits exceeded so they paid 20% and then said there's now no more benefit for the "motivated on results" blood test . Both blood tests and x-rays are lumped under one R3000 per year? Activate benefit booster to cover where benefits are exceeded.....they advertise. So you do and they take new claims, where there are benefits available, from there. How. How can you take from the benefit that's actually there to cover "exceeded benefits" .... Then say you cannot relook at claims not paid because benefits exceeded....and will not come out of Benefit Booster if benefit booster is not activated prior to claim.... So where does it say so?

But the best is....mom has serious heart problems among others. She's showing some weird signs and dr wants her blood pressure monitored over past weekend ..... Today I was informed it will not be paid as it is an exclusion .... It was submitted fir authorisation last week Thursday!

My question to Bonitas is.... What is it you actually pay in full?

You are so proud to inform members that for 2023 the day to day benefits have been increased to R12000 per year. That's nice. So how come the very first drs visit/ claim is paid 50% because benefits are exceeded.... They paid about R175.... Mom had to pay R250 .... Yet they proudly say she has R3000 available...

So no bpm monitor.... tough. Got to hospital rather....costs are very high, but covered No BMD....not interested if you break a hip because your bone density has weakened, no monitoring to prohibit this. But the hip replacement will be covered in full apparently No blood tests..... Have a heart attack/stent, no vitamin D, let the meds stop working,nor work too much ... You'll end up in hospital. That's ok...it's covered in full

In a nutshell. Bonitas has zero interest in proactive and preventative health care. They only interested in you ending up in hospital....cost are huge! Hundreds of thousands, that'such better, but don't ask for a few thousand- it's an exclusion or benefits exceeded. Mom needs an amount of R2800 approved, which they refuse to do.... All they've paid out, excluding the monthly chronic, is about R3300 for the year!!!! (2 drs visits for her chronic meds with tests) Out of Booster benefited R296 which is a drs visit and a new med (just last week). But there's benefits available for both