Worst Medical Aid Scheme.... Try to avoid them as much as possible.

<p>This is the second time that Discovery refuses to play their part and having their client share the risks. Even If you complete everything as per their requirements they will still NOT cover all your claims.</p> <p> </p> <p>I was admitted into hospital on the 15th of August 2016. I was unable to walk due to an early fall. I was then taken to emergency room to have an x-ray completed. The doctor on duty advised that they do see a problem and requested I complete a MRI to get a clearer indication of the problem. This alone meant there was a serious problem which needed attention. I got the nurses to call Discovery and arrange the hospital authorization so that I was assured the cost will be taken care off as part of the hospital benefit. I even stuck out the pain to go to one of their preferred hospitals to ensure there is no misalignments.</p> <p> </p> <p>Discovery payed ZERO percent for the MRI as they said its back related, firstly I’m not a doctor and I cannot double check each code that Discovery requires, if their clients were so important to them, they would have sent out an “accessor” to confirm the status or have a representative at their core hospitals. If I had fallen down the stairs, broke my back and if “Lumbar” is stated in the report they will not cover, even though it clearly states on my plan that this is covered in hospital – “If related to your admission we pay up to 100% of the DHR from the Hospital Benefit”.</p> <p>I have been paying Discovery a premium for over 10 years however when I needed the assistance they are not there to provide a service. After going to one of their “preferred” hospitals they will not even cover half of the doctors’ fees, Is the patient now supposed to screen doctors in an emergency or is that Discovery’s job to ensure if they list a preferred hospital they do their background checks.</p> <p> </p> <p>At the end of this incident I ended up covering more from my own pocket than Discovery did…… this should have been the other way around…</p> <p> </p> <p>I hope that one day instead of increasing premiums or trying to sell us more products, you do something positive for your client base.</p> <p> </p>