ARE YOU A VICTUM OF NONDISCLOSURE?

A leader in health care expanding into life cover, credit cards and so much more. A multi million rand head office with a rental of more than R20 mil a month. A international company showing profits of more than 17% in 2018. This all sounds comforting when you are interested in there products.

A lengthly phone call and you are covered. Covered for that unforeseen medical emergencies or worse... Yes it all sounds so easy, but do you really understand what you are committing to?

We thought we did when we took out medical cover from Discovery Health in 2018.

We gathered all the information did our homework. Compared companies and decided that Discovery is a leader in the industry, even employees of doctors and hospitals praised there services. Taking into consideration this is a big commitment for a single divorces lady in her 50's thats part of todays economy.

So here we were on the line starting the process. Endless questions back and forth asking our fear amount. Things came up like high blood pressure, cholesterol and depression. All that a 52 year old lady recently divorced hard working deals with on a daily basis. It is nothing compared to the last couple of years and finding her feet again.

Having to translate on this 3 way call i clearly remember asking about the savings pockets as she buys her monthly medicine at the pharmacy "clicks" to be exact. Joking around and feeling so comfortable with the lady on the Discovery end of this call. All went well and she was covered.

Months later as she started to take her anti-depressions and all the other little pills we decided to look at the chronicle benefits filling in the forms and waiting a response she got ill.

A bladder infection first in years i must add. She is truly a healthy lady, always at work, helping hand to others, lives on the third floor with only stairs in the building and all that.

But the infection worsened and we were off to hospital for a couple of days , Out and back at work we receive a call and Emails days after getting out of hospital. The membership has been revoked. No claims will be paid.....

Immediately on the line trying to find out whats going on we had to appeal as it was a nondisclosure issue, one we did not agree too.

filled in forms to get the recordings------------ We are still waiting for it! (Called again : information seems to be lost)

The appeal was however reaccessed and still found that the membership is to be revoked. All that in a matter of a day.

All the instalments was paid in after more than a month with all cost deducted.

Months later no answer to emails, no recordings and a BIG hospital bills still to pay.....

MENTIONING OUR EXPERIENCE TO FRIENDS AND FAMILY THERE IS MORE........

Almost Three years later and a life insurance policy is also not paid out , medical reports has been sent through and a battle of a heart broken women isn't over. A small payout for this global company not making up a 6th of there monthly rent but to this lady it could change her life. A life that was changes in minutes as her husband passed away. She had to sell everything, find a job and start a new life. A life her husband most definitely didn't want her to live. He made sure of that when he took out life cover with Discovery.

But sad to say

Nondisclosure , No payout and No answers

So now im left wondering who else is experiencing this bad service and should this cover be done over a phone.