Appalling Discovery Health insurance - leave discovery there are much better plans out there for the same fees !!!

For the past 9 months I have been so ill and as always it is a battle with discovery . Always exorbitant co payments and the msa funds granted yearly are truly pathetic . My brother is with momentum and he pays exactly the same premium I do monthly !! Only he is not restricted to doctors and hospitals - something discovery loves to do - oh we cover that hospital but not that doctor or vice versa . Leading to endless additional visits out of pocket to see the doctors who are actually good !!! My brothers awards on momentum are ten fold compared to discovery . For being fit which I am even more so than my brother he gets r1000 additional a month added to his msa which rolls over along with his other benefits . The discovery miles we get cannot compete with this !! I have spent nearly r 50000 this year on doctors and bills not covered by discovery . If I was on momentum all would have been covered plus I would be sitting on over r24000 on my msa just by staying healthy . Sorry discovery but you no longer are the top of medical aid . I will absolutely be moving over to momentum in the new year !!!!!! And cannot wait !!!!!