REQUEST TO RECONSIDER EXCLUSION FAILED

My husband (Siegfried Appel ********** 11) had a heart attack during April 2017. We had a hospital plan with another firm but our broker advised us to change to Discovery Medical Health Medical Scheme, because it was a better plan. To my knowledge a heart attack is an emergency and therefore when it happened my husband went to hospital and had to have a procedure done to save his life. I was not worried because I knew that because it was an emergency, it would be covered by the medical plan. While he was on the operating table (and fighting for his life) we were informed that there was exclusion on any heart condition and that we had to pay for everything. I had to deposit R20 000.00 before they would proceed to help my husband. In the end the expenses came to nearly R200 000.00. Discovery said there was exclusion for a year on my husband for heart problems. I tried to explain that he never had heart troubles before and only took the medicine as precaution because many years ago his doctor advised him to take cholesterol pills as well as ecotrin, as a precautionary measure as his father passed away at the age of about 42 from a heart attack. Therefore he took the pills but he did not have a heart condition and the first symptoms were on the day of the heart attack. Discovery said that we should submit a report from the doctor that prescribed the pills initially. We contacted the doctor and submitted the report and the blood tests. Discovery still said that they would pay nothing except the procedures that was not exclusively part of a heart condition, but up and until now no payment was made to my husband. I feel that there should not have been an exclusion in the first place as my husband did not have a heart condition or symptoms of one. Therefore I still feel that the money we paid to the hospital and all doctors should be refunded to my husband as that would be fair. I feel that we have not been treated fair. Marcelle Appel , **********