Beware of their false marketing!

<p>My son did his foot surgery on the 19th of June, 2017. After the surgery, I called the Discovery Health to get authorization for a Limb prosthesis. Lo and behold, I was told that they do not cover that and it has to be paid from the MSA (medical savings account). I am currently on the Classic Delta Saver plan and when the plan was pitched to me, I was told that they have an annual limit cover of R40,000 for prosthesis. This can be verified on Page 9 of their brochure (https://www.discovery.co.za/discovery_coza/web/linked_content/pdfs/health/benefit_information/saver_series_plan.pdf). In that same brochure, it is always differentiated when money will be taken from your MSA or when you will have full cover. Maximum that has been put into my MSA is R8,500 and I doubt anyone under the Classic Delta Saver plan will have R40,000 in their MSA as only 25% of total monthly contribution goes into the MSA. Still on the same page 9, R207,000 will be for cochlear implants and they also expect that to be taken off the MSA??? Here is a simple MSA calculation. Payment per member is R819. For a family of 5(Father, mother and 3 kids), total monthly payment will be R4095. Total funds that will be deposited into the MSA annually is R12285. Lets assume a family member wants to have an internal nerve stimulator that costs R140,000. Discovery Health should actually be paying for the medical bills of the family member since it is still under their annual limit bracket but instead, they will refer you to a non-existing document not on their marketing brochure and say they will only cover from your MSA which is R12285 and you have to fork out the remaining amount from your pocket. Then why do I need medical insurance from Discovery Health if I need to pay such a huge amount from my pocket???</p> <p>Discovery health is full of false marketing and saying sweet things just to drive clients to them and when it is time to claim, they turn around and say we do not cover that and they direct you to a document that does not even exist on their website nor their earlier marketing brochure. My advice is that everyone should stay away from Discovery Health before it is too late. There are a lot of other medical aid insurance companies that offer more at less prices. Why do I need insurance from them if I have R207,000 from my pocket when I have medical cover and my MSA limit is never up to one-tenth of that!</p>