False representation/communication from Discovery Health

On 07 June 2023, I received a letter from Discovery stating that, as my husband cancelled his policy, I can apply for my own policy. It gave me all the plan options that I can choose from and the application form. Nowhere in this communication does it state that I can only apply for the same level of policy as my husband held previously. However, when I app**** for the policy I want based on my new financial position, I was told I could not apply for a higher policy level than my husband previously held.

If this is the case, why was it never mentioned in the letter that I can only apply for the same or lower policy level than my husband previously held? I view this as ********* communication and a false representation of my options.

I phoned Discovery’s underwriting department to discuss the matter but was told they can’t comment on the letter because it was sent by a different department, and they can’t take responsibility for what a different department said. I don’t care which department sent the letter; it is all the same company, and Discovery Health made a false representation to me.

In the meantime, I have withdrawn my new application as I have no intention of paying more than double for the same plan my husband held, without getting increased benefits, just because my financial status has changed and I’m now in a higher bracket. Instead, I will move to a medical aid scheme that doesn’t provide false representations.

I have also reported this to the Council for Medical Schemes.