Misled by Clientele

Good day My daughter landed up in a public hospital. I was not happy with the treatment and wanted her moved out to a private hospital but we had no medical aid and there would be a waiting period if I signed on at that stage. I saw an advert for clientele and contacted them a consultant called me and explained their products. I told him that my daughter had overdosed on medication and would she receive immediate cover. He said yes she would as it classifies as an accident. I then proceeded to sign up with them and took an extra risk benefit cover as well. The premium was R839. Cover would start immediately after the first payment. Unfortunately I tried to use the hospital plan but no private hospital accepted it. So it was a waste of time and money.

My daughter passed away in September in hospital. I contacted clientele to notify them and also complained about the fact that I was **** to about her getting cover immediately on the basis that her condition was an accident. They investigated and got back to me saying that the consultant had indeed misled me.

My question is , in that case, should they not refund my money since I was misled. We were also not paid out anything with regard to the risk benefits.

My daughter passed away on the 17 September and the last money that was paid to them was on the 19th September.

So I paid for 3 months after being misled. I took the policy on the understanding that my daughter would be covered. She was not but they still took the monthly payments. In my understanding, this is *****.

Please help

Regards Shireen Mahomed ***