R4000 a month for 0% peace of mind

I am paying R4000 p/m for the classic delta saver series with Vitality, 1. The MSA is at +-R6500 p/a which is almost depleted due to the past winter colds and flu's, get sick now and thet give a total of 6 visits for me and my fiance. 2. Planning to have a baby also pointless as the reason you have a medical aid is to have the peace of mind that youre covered, we have to pay each visit to the gyni out of our MSA untill little one is born, that adds up to roughly R32000. 3. In this classic delta saver series the only private hospital closest to us is Arwyp in kempton of which the service is horrible! There are better state hospitals the next closest good private hospital is in midrand and thats 1 hours drive if no traffic.

In summary we pay all this money and we end up getting zero benefits or peace of mind unless its a medical emergency...thinking constantly of moving medical aids but i have a feeling that will be another headache as well. The day I called in to get a quote the product was polished like gold, wish we could at least receive a piece of the gold we are giving them each month.