struggling with my medical aid

To whom it may concern my name is Leon Potgieter ( id no ********** 092089) , I am a member of bonitas boncap ( member no ********** 9325) and I would like to bring a complaint to your attention. I was a member of bonitas for quite a while, as the rules I was suppost to hand in a letter of income verification to boncap before the end of october, as it goes with I struggled to get the letter in time to hand in. I phoned bonitas and spoke to a lady and she said that she would make a entry regarding this matter, it took sassa untill january to send me that letter. On 01/01/2017 bonitas upped my contribution to over R5000 pm, when I phoned them I was told that because I did not hand in the letter from sassa they raised my contribution to the max amount, when I told them I phoned and was told that they would make the entry which was consequently not done and that they could do nothing for me. Because I could not afford that amount pm I cancelled the medical aid and went back as a hospital patient, after a few months I could not take the poor service any more and I phoned boncap to rejoin, they said that I was accepted but that I would have to pay a late entry penalty which I accepted to be ok. In the meantime I realized that I was paying this penalty for the past approx 18 months which amounts to approx R1500 per month. In september 2017 I was declared medically unfit for work because of a serious lung problem and even more in may 2018 I lost my leg due to a injury I picked up on a farm in des 2017. I phoned boncap and said to them that if they havent got a cheaper option but they said that boncap is the cheapest option and when I complained abould the penalty I was told no becaused that is what it is. I am a diabetic and between me and my wife we only receive R3400 per month from a goverment grant. My question is now why do I have to pay this penalty each month for the rest of my membership to boncap which in any case increases monthly when my membership fees increases I sincerely hope that you can help me in this matter Yours sincerely, Leon Potgieter