The unfortunately consequences of turning 21

On 03 August 2022, I received a Dependant Eligibility Notification from Discovery, advising me that my daughter would be turning 21 and that as of 01 October 2022, she would have to start paying adult rates if she is to remain on my policy as a dependent. I tried as best as I could to source advice on my options within the stipulated time as I simply would not be able to afford us both on the current plan with her as an adult dependent. To try to stay with Discovery with whom I have maintained a great partnership over the years, I eventually took out a policy for my daughter and downgraded my current plan due to the increase in costs. A further consequence of this notice, would be that benefits in the amount of R5,603.18 received from our Above Threshold Benefit would need to be reimbursed to Discovery. In a telephone discussion with Jeswyn of the Discovery finance department on 17 August 2022, I was advised that our premiums are debited in arrears, and that our last current premium would be debited on 25 September 2022 and the first on the new plan would be debited on 25 October 2022. The current premium was debited as per usual on 25th September, however a further debit of R3,762.00 took place on 1st October 2022. The debit unfortunately failed as I had not made provision for it, and have today held on unsuccessfully for a good period of time to try to arrange for the resubmission of that amount. Until I can reach Discovery, my daughter will have no medical cover for the first time in her life. I am quite disheartened that in the space of two months, Discovery Health, after 20 years of complete peace of mind and security for myself and my daughter, are now letting me down. I understand the schemes underwriting decisions, however, I seem to be on the receiving end of a brand who is less concerned about retaining that "peace of mind" with its clients, and more about getting the bottom line met. Please take my feed-back to heart.