Underwriting which is ambiguous and intransparent

The bad service and aboguous responses regarding underwriting is horrific! I have called the callcentre for Boncap more than three times requesting for the underwriting department to contact me telephonically to explain the reason for imposing this waiting period.

I joined Bonitas having come from Topmed with no waiting period imposed at all for my benefit date. I was off Topmed for one month when joining Bonitas, my join date is 01/05/2018 and my benefit date is 01/05/2018. I sent my son's application will his membership certificate from Gems to join in June 2018. He is on Gems Emerald Option and his benefit date is 01/05/2008 and his termination date will be 30/06/2018, he was on medical aid for ten years yet you impose a benefit waiting period for 3 months as if he was never on medical aid.

I called in requesting an explanation more than twice and all I got was an ambiguous emails stating the waiting period is correct.

I once again request that I be contacted by the underwriter to get a clear explanation as it makes no logical sense to have the dependant resigned from Gems if he will only receive benefits after three months having been on medical aid for over a decade.