Lies and pain

<p>So first things first.</p> <p> </p> <p>We had a consultant from discovery come to our offices and discussed the different plans we can get.</p> <p> </p> <p>Our company only deals with discovery so i did not have a say in the matter. We spoke and i advised the consultant that i only need a hospital plan because we are not people who like to take a pill for every ailment and rarely go to the doctor.</p> <p> </p> <p>She advised me to get the keycare core if i was not willing to pay alot of money. She also advised me that they have a list of approved hospitals (what a joke that list is. I would not send my worst enemies to most of those hospitals) which they cater for and anything else we would have to pay a co-payment. </p> <p> </p> <p>I told her that i wanted to go to Linkswood hospital because that is where our gyno was and that it is not on the list of hospitals. </p> <p> </p> <p>She then advised me to get some gap cover and promised me that we will only pay 20 persent co-payment on our accounts and the gap cover will pay the rest.</p> <p> </p> <p>Well i can promise anyone reading this that she only told me lies to get her commission.</p> <p> </p> <p>Nothing but tears and pain followed.</p> <p> </p> <p>Firstly after any claim i made i had to beg for my refund. (Which was not at all close to what she promised.) Sent in the claim. Received the confirmation email. And then waited. For nothing. After a long wait on the line and finally speaking to someone i received a new excuse every time. We need the receipt. (Even though the statement shows paid in full) Or my favourite was." No sir this has been paid" and then receiving an email the day after saying that i will receive my money.</p> <p> </p> <p>This is just the beginning of what almost caused me a stroke....</p> <p> </p> <p>So we phoned the medical aid when it was time to book our bed and we received a authorization number. (I though this was too good to be true)</p> <p> </p> <p>We booked for a normal delivery but had to go in a week before beacuase my son decided he wanted to come early.</p> <p> </p> <p>Wife had to get an emergency c section and this is when the true colours of discovery started to show which my father warned me about so many years ago.</p> <p> </p> <p>Everything went well and my son was born. As i sent my claims through i could just sense the excuses coming. (I had to pay most if not all myself and then claim because the hospital does not want to struggle)</p> <p> </p> <p>So then it all started. </p> <p> </p> <p>I received an email stating that they are not going to pay a cent because i did not call and get permission for a c section. I was shocked at the stupidity. I phoned and advised that i struggled to get a hold of them during working hours. Not even to mention how impossible it would have been to phone them 3 in the morning. </p> <p> </p> <p>After what felt like a month on the phone they decided to pay me a measly amount. </p> <p> </p> <p>I paid in total R 18 000.00 for the c section and the pediatrician fees. They paid me a total of R 4200.00.</p> <p> </p> <p>Now that is less than 25% of the bill. I have yet to see the poor excuse i will get for why they will not pay for the hospital stay. </p> <p> </p> <p>I pray that the gap cover will help me out a bit but i have a feeling they will lie and cheat their way out of every cent they can.</p> <p> </p> <p>I know keycare is not a premium package but i had hoped that the consultant was speaking the truth when she advised me to get it.</p> <p> </p> <p>In hindsight i should never have trusted a morally void insurance consultant in the first place. </p> <p> </p> <p>I find sollace in the fact that the wheel turns. Ever so slowly as it does.</p>