Bonitas & Curemed – Worst Experience of My Life

I am writing this review out of absolute frustration, anger, and disbelief at the service I have received from Bonitas Medical Aid and Curemed.

My partner and I signed up with Bonitas in February through Curemed. I dealt with a consultant named Emmanuel, who called me every single day at the exact time I asked him to. Everything was smooth, reassuring, and “no problem at all.” We fully disclosed my partner’s medical history and even told Emmanuel about a cardiologist appointment booked in 2024. Our application was approved with a 3-month general waiting period, but we were told clearly that PMB would NOT be affected.

On the 25th of March, during the cardiologist appointment, my partner was booked for an urgent angiogram within 24 hours due to the risk of a heart attack. Bonitas approved the angiogram. The following day, we learned he needed a triple bypass, which Bonitas also approved.

During the surgery, he suffered complications, developed an infection, and ended up on a ventilator for 9 DAYS instead of 24 hours. The doctors had to run multiple scans, X-rays, and tests to identify the infection and treat him correctly. These tests were medically necessary, directly related to an authorised, life-saving procedure, and absolutely NOT optional.

And now Bonitas refuses to pay for those tests, hiding behind a “waiting period.” How does a waiting period suddenly apply after authorising the very procedure that CAUSED the complications? How do you approve a bypass but refuse to cover the medically required tests that follow?

I have explained this over and over. I can provide full timelines, medical reports, and proof. Yet all I receive from Curemed is a generic copy-and-paste response with zero effort to motivate the claim, despite Emmanuel promising that Curemed “will fight on our behalf.” He reassured me that the monthly management fee I pay to Curemed is so that they can deal with the claims process and minimize our stress. The same Emmanuel who called me every day before signing us up has now completely ghosted me.

We are now sitting with hospital bills we cannot afford because Bonitas and Curemed are refusing to take responsibility. The emotional, financial, and mental stress they have put us through is unbelievable.

This entire experience has been shocking, traumatic, and unacceptable. People deserve to know what really happens once the sales pitch is over.