There are better alternatives

I was a Discovery medical aid member with a comprehensive plan for many years before I opted to downgrade to a hospital plan with them. During all the years I claimed once when skin cancer was diagnosed and I had to have a small operation to remove the cancerous skin. It was a mission getting paid out as I only had the hospital plan at that time. I claimed under Prescribed Minimum Benefits and managed to get paid back about half of what the operation cost me (I got back about R3500). Then about 6 months ago I noticed a rash on my skin which had me worried that I may have skin cancer again. I visited a dermatologist for a check-up and thankfully it was not . Then I tried to claim for the visit under out of hospital treatment. I got all the forms filled in by the dermatologist and submitted the claim. Despite my good record and long-standing membership my claim was declined outright with a single email. When I objected, they did not even respond. That is why I decided to cancel my membership and change to a much cheaper and better alternative.