NETCARE/DISCOVERY MEDICAL AID IS JUST A BIG ****

As i write this review with tears in my eyes,heres my story 13 March last year i was involved in a bad car accident,head on collission while trying to escape car hijacking.There was 4 of us in the car,2 friends(sisters of 1 family)and my little sister,by the grace of GOD we survived,our 2 friends had minor injuries,me and my sister had bad injuries my sister had worse injuries,she was sitting at the passenger seat just behind me,when 2 cars colided my seat moved back to hit her face sustained facial injuries,jaw fractured,lost 6 front teeth,she was transported to the nearest necare hospital as she workes for netcare,that was St Augastines hospital,she was treated by maxillo facial Dr,went to theatre as she had a jaw fracture,she went to theatre twice,the plan was that after the bone heals,she was going to start the process of fitting dantures,than have implants, but dt took forever,she had to go back to work with the gap in the front as she lost 6 front teeth.I was still healing myself and the pyschological damage was too much but i had to be the big sister and comfort her as she fell deep into DEPRESSION,LOW SELF ESTEEM,CRYING ALMOST EVERYDAY,eventually she got the dantures,when the time came for her to do the implants the medical aid told her she needed to have a co payment of about R20 000,which i failed to understand as it was not the cosmetic surgery she had to do it because she was involve in a car accident,the Dr tried to motivate for her but all that failed,we did not have R20 000 for payment,she foned medical aid back and forth and eventually gave up☹️.My sister is not the same since the accident,she has a low self esteem,she is not the happy and bubbly person as she used to be,there are things that she struggles to eat with these dantures,she does not visit anyone for stay over as she has to remove dantures at night,also hardly go out,she is young she can not live her life like that with the dantures affecting her everyday life.I still fail to understand why netcare/discovery medical aid fail to cover her teeth implants procedure,WORSE SHE IS THEIR STAFF AS SHE WORKES FOR NETCARE.IS THIS THE WAY THEY TREAT THEIR STUFF MEMBERS?HOW PATHETIC☹️☹️☹️