Discovery - Read and understand the fine print!! No mercy!!

01/07/2011 – 31/07/2017: My daughter was a member as a dependent on my Discovery Medical Plan. Got married and decided to go on her own medical plan 18/07/2017: Completes new application form with her husband as dependent on employer group 21/07/2017: Form received by Broker and forward to new business 22/07/2017: Member certificate received by Broker 24/07/2017: Member certificate send to my daughter 25/07/2017: My son-in-law (dependent and spouse), makes an appointment with a doctor because of stomach cramps and pays cash for the consultation. (Client was not aware of the fact that he needs to inform Discovery of any changes in his health after he received the member certificate) 01/08/2017: Health plan becomes in force 24/10/2017: My daughter suspects that she is pregnant and requests blood tests 14/11/2017: My daughter visits a doctor, while there her husband consults the doctor about stomach cramps and the doctor requests a gastroscopy be performed 15/11/2017: Her husband phones pre-authorization, and is informed that his health plan was suspended, he doesn’t understand why 16/11/2017: Broker and my daughter try to determine why the health plan was cancelled, nothing is given in writing 24/11/2017: My daughter has an appointment with doctor to determine the pregnancy, the claim is not paid as the membership is suspended 05/12/2017: My daughter receives a letter explaining the suspension dated 05/12/2017. Broker tried to make contact with contact person for suspension, without success Telephonic appointment with main member and contact person didn’t take place as was planned 11/12/2017: My daughter receives SMS’s and emails regarding debt that must be repaid to Discovery 10/01/2018: Premiums are placed as a credit through the employers account 30/01/2018: My daughter pays the debt to Discovery 12/12/2017: Broker receive the new application form the member, the BC forwards the application to new business 15/12/2017 to 26/02/2018: requirements are being called and supp**** 26/02/2018: Broker receive the COL, on which 3 month waiting period and 12 month exclusion on a long list of conditions. The pregnancy is also excluded Reasons given: Not a member of a registered SA medical scheme OR Break in membership of longer than 90 days. (Since suspension to date of COL, 83 days)