RK
Ramachandran K

1 reviews | Active since Jan 2019

15 Aug 2024, 18:08

Not a trust worthy medical aid

I was cheated. I called the Discovery Medical Aid on 21st June 2024, requesting for a medical aid plan, during that call I asked the sales guy to keep the premium debit date to 10th of every month, he advised me to send an email to him and also acknowledged that he will set the debit date as requested. He also said, for any future queries I can send an email to the same email address, he will assist. On 1st of August, premium got debited from my account, instead of 10th august, I was shocked. On the same day before checking my bank account, I have sent an email to the sales person with some other query. I waited for his response till 13 august, since there was no response, I called the Discovery Medical aid customer care and narrated the situation and also the debit date issue. That executive said that she will process my request and put my call on hold, since I already spent around 44 minutes on the call, my airtime was over then the call got disconnected. I thought I and going to get a call back from that executive, since I didn't get any call, I have responded to the survey with 0 rating. Today, i.e., 15-Aug, I have received a call from Discovery medical aid asking the reason behind my rating, I narrated my situation again. After listening to everything, the executive said they can change the debit order data to 10th of every month, however, in the month of september the full premium would get debited twice i.e., on 1st of September and again on 10th of September. I was shocked and asked them why, as the premium is debited in Arrears and if they debit the full premium again on 10th septermber after debiting on 1st september, how come it becomes debiting in Arrears, it will be debiting for future. I have requested them of they can debit only for 10 days on 10 september, and from 10 October onwards they can debit for 30 days arrears every month 10th. Alternately, I have asked them to Debit only once on September ie., 10th September for 40 days ie.. for August + 10 days in September. In both the scenarios, it would logically become debiting in Arrears. Even though, my suggestions are reasonable, the executive was very rude and said Discovery can't take any risk. I don't understand what's the risk there, they says they will debit in arrears, but by debiting twice for the month of september, they are debiting for future. Don't understand how logical it is. This is pure cheating

0
Replies (9)
Discovery Health
Discovery Health's reply16 Aug 2024, 06:55
Official
Dear Ramachandran K

We’ve noted your concerns and we’re investigating the matter. We’ll contact you with feedback as soon as possible. 

Regards 
Discovery Health Servicing Team
RK
Ramachandran K's update19 Aug 2024, 12:50
Reviewer Update
May I know when Discovery is going to contact me on this issue. Just sending an automated bot response on the platform does not help
Discovery Health
Discovery Health's reply20 Aug 2024, 14:59
Official
Dear Ramchandran K

We have been in touch with you to answer your comments.

Regards
Discovery Health Servicing Team

RK
Ramachandran K's update23 Aug 2024, 11:29
Reviewer Update
I think Discovery is considering the customers are fools. I have received a call from a person few days back and I was sold they are going to resolve this issue. They have come up with 2 options: Option 1 is to pay the premium twice in the month of September, Option 2 is Changing the Medical Aid plan start date from 1st July to 01-August and in this case my waiting period would get extended by one more month. I told her, neither of the option is making any sense, then she said we can log a dispute and that will take 30 days to resolve, she has sent a couple of forms to me to fill and submit. Hey, how long I have to fight for it? I don't understand why changing the debit order date is such a big deal. Remember, the mistake is on Discovery side, not on my side. You made a blunder by keeping the debit order date to 1st of every month even though I have asked to set it to 10th of every month on the day. I have already spent hours and hours on the calls, on hello peter... how Discovery is going to compensate for this? Now you are asking me to fill & submit forms for raising a dispute and wait for 30 more working days. This is ridiculous. Discovery Health Sucks.
Discovery Health
Discovery Health's reply27 Aug 2024, 16:32
Official
Dear Ramachandran

We have been in touch with you to answer your comments.

Regards
Discovery Health Servicing Team

RK
Ramachandran K's update28 Aug 2024, 09:57
Reviewer Update
The same person who spoke to me the other day called me again yesterday, and said the same thing what she said last time. I don't understand how come if you repeat the same thing again would solve the problem. The mistake done by Discovery and they have to be accountable for that. With the options they are providing, they are making me accountable and punishing me for the mistake done by Discovery. I am the victim here, not the culprit. The culprit is Discovery, they have to realize that and solve the problem. Still I don't understand, why Discovery is making it as a big issue, why is it such a hard thing to change the debit order date? Why Discovery is so adamant and creating unnecessary stress for me?
Discovery Health
Discovery Health's reply03 Sept 2024, 10:30
Official
Dear Ramachandran K

Please check your emails for final feedback from us.

Regards
Discovery Health Servicing Team

RK
Ramachandran K's update06 Sept 2024, 16:02
Reviewer Update
Hi, I have checked the email that you have sent. The email has 2 attachments i.e., Correspondence and Disputes Investigation form. On the Correspondence pdf, it says to submit a dispute by filling the Disputes form and allow Discovery 30 days for the feedback. May I know why I should log a dispute form, why can't you do that. I have spent hours on the calls, writing review here, is that not enough? Why do you want me to submit a dispute from my end as the problem is on your end. try to be professional. I think I had enough of non-sense from you, I don't you don't want to sort out this, you can't admit your mistake and don't want to be accountable for it. If you have realized that, you wouldn't be dragging this long. Discovery, you are *******, Shame on you
Discovery Health
Discovery Health's reply23 Oct 2024, 09:51
Official
Dear Ramachandran K

Thank you for engaging with us via email to clarify the details of your matter and allowing us to reiterate the various channels that are available for further appeal. 

Regards
Discovery Health Servicing Team