Double standards and ******* behaviour

My application for Gap Cover and Supplementary Gap Cover were declined earlier this year because I cycled on weekends and it was deemed a Hazardous Pursuit by the underwriting team. Once I pointed out that Vitality rewarded me every week for cycling and they endorsed/sponsored cycling on multiple levels, did the underwriters change their decision. Lovely slice of double standards there. I was then presented with premiums that were double what I was initially quoted.

This is where it gets ugly. I made it clear to the consultant Tebogo Molefane that I was happy to proceed with Gap Cover with inception 1 Feb 2018, but that he needed to send me a quote for the Supplementary Gap Cover before I agreed to go ahead with it because at double the initial quote it was too expensive. This did not happen, they just instated the Supplementary Gap Cover - with no verbal or written consent from me. No sign of a contract or policy anywhere. Next thing my account is debited for the Supplementary Gap Cover which I have not requested...and it is retroactively debited for a month I had no cover.

Obviously I demanded a full refund on the debit and an explanation for this appalling dishonest treatment. Chantel Van Aardt from Discovery sends me a message to let me know that the Supplementary cover debit will be refund and that "you only have the Comprehensive Gap Cover policy that commences on the 01/02/2018 and the premium is R135.00" This is what was agreed.

I speak to Tebogo Molefane today as I am not seeing the Comprehensive Gap Cover reflecting on my policies. 'It has been cancelled', he says! I gave nobody the instruction to cancel and yet it is cancelled. If I had not checked the detail I would have been running around with no cover.

What is disgusting is nobody at Discovery thinks this behaviour is unacceptable otherwise there would have been repercussions. The worst part is I have put my 'trust' in Discovery to have all my medical and health interests at heart. Sure not going to sleep easy with hollow reassurance.