PATHETIC SERVICE!!!!

It's a pity you cannot put less than 1 star. I'm on Key Care Plus. My monthly premium is just above R5800 for the 4 of us. That is more than R69600 per year. My current job requires medical aid and didn't give us many options to choose from. Currently we are in August for 2024, I have not used anything, my 1-year-old got no claims (I'm paying his injections cash), my 10-year-old got 1 dentist visit (where I had to pay in R850 and medical only paid R520) and a GP visit (again where I had to pay most of the prescribed medicine). My wife had a couple of GP visits (1 I had to pay cash as she was not around her nominated GP, and also, I had to pay most medicine prescribed cash) and a specialist visit where he discovered that he must remove her tonsils and cut out a cyst close by and send it away for testing (not like we want to do it). Medical gave a straight decline, I asked them to review it, as for me it is an emergency and got feedback that they won't approve it, even though the doctors and her GP sended trough documents etc. as requested from them. So, I've asked them why I even have medical aid, and the consultant rep****, "for emergencies that can happen". I mean really!!!! So, they want 70k for the year from me, I have to pay most medicine and dentist visits myself, and also another 30k for my wife's procedure (which is kind of an emergency) while they are not even looking at it. These people are just *****ing while they only want your money, they are definitely not there to assist you in any way whatsoever. I WOULD NEVER RECOMMEND THIS MEDICAL AID TO ANYONE AND IF THE SERVICE FROM THEM IS SO POOR, I REALLY DON'T WANT TO KNOW WHAT IS HAPPENING IN THE OTHER DEPARTMENTS.