Smart Plan is the WORST plan! Oh, and do not expect them to tell you of all the clauses or bail you out for a better option when this plan fails!

<p>In January 2016 I changed over from the company's medical to an individual with Discovery Health. I contacted the client call center to do this change, and was advised on the Smart Plan as a brilliant option. I was not advised of any clauses. I have only had to recently start using the medical aid plan and it has been nothing like they sold to me. I was looking for a doctor (GP) in the Smart plan option, near me, to no avail. I even asked a Discovery broker to help me look. He also could not find one. The plan says you only have to pay in R50 for the doctor's visit. Which, to no choice of doctors, have not been able to use this benefit. Then the next selling point was that you only pay in R10 per medication item, using then Clicks or Discem as your pharmacy. Which I have done. But still landed up paying full medication amount. With me now having these issues, have been informed that I cannot be changed to a better plan. The medication at this special rate is only valid if it gets prescribed by a Smart Plan doctor. Another catch that they failed to mention when signing you up. I am now pregnant and have chosen a brilliant Gynie at Linkwood. This came under advi*****t, as I am now classified as AMA (Advanced Maternal Age) as well as due to major complications in my first pregnancy. But now I have a problem as this hospital that she works from is not part of the Smart Plan network. I have asked to be upgraded to a more expensive plan, the Essential or Classic Core but have been declined.</p> <p>They say there was a cooling off period of two months. I was not informed of this. Also I have only recently had to use the plan, so would have only picked this up too late.</p> <p>I do not see how they can sell a plan like this to clients, with a clear conscious, knowing there are not many doctors that are within this plan. And that you may not even have a doctor within your area, or even check first. They said they will review my case as an individual but still do not see a reason to change it.</p> <p>I have contacted the call centre, spoken to a man named Renier. He forwarded me on to a lady called Claudia. She was great in the beginning but then failed to contact me with a resolution. I complained on an email sent from them requiring if my resolution was solved. Janice then phoned. She has also taken her time to respond. She took down more details such as address and reasons why I need to change plans. But has now explained that I have been denied. Ref: ********** 948</p>