DISCOVERY LIFE INSURANCE & DISCOVERY MEDICAL AID

My complaints are on my Discovery Life Policy, which I've had for over 20 years plus and with paying to pay a heavy premium due to my age, when i 1st took it out !! Now I'm 78 and have probably paid more than the pay out value, but cannot move or cancel it, as no other insurance company would insure me now !! AND Discovery know that and have taken full advantage of that fact !! For a number of years I wasn't able to afford the annual increase, which was around 10% !! So I had to freeze the monthly premium, which of course froze the pay out value as well when I pass on !!! But just recently about 3 years or so i informed my broker to reinstate the annual increase, as my sons assisted me in paying the annual increase so that of course increased the value on my death accordingly !! Anyway this time a year again we get informed of the annual increase for the ensuing year but get a letter with a form to go and be tested by a GP or medical centre, and to include the testing of my wife too, and if passed healthy I wouldn't have to pay the annual increase as it would be absorbed by Discovery but the death value would nevertheless automatically increase without having to pay the extra on my premium !! So my wife and I make an appointment with Dischem for the checkup, which incidentally Discovery said they would pay for, so we both go and be checked out !! The Sister who did the checkup on both of us was very impressed after receiving the results, but the only drawback, she pointed out, was that we were both a little overweight in accordance to out heights but she was adamant that we should cruise through as we were very healthy at our ages and shouldn't be penalised by being over weight and that Discovery should accept our results with no problem !! She submitted the results to Discovery and a copy to my broker and then we waited and waited and waited and my broker followed up and was told by somebody at Discovery they were still looking in to it !!! Well eventually the inevitable happened "DECLINED" no reason given just declined, which I just knew would happen as I said to my broker Discovery knows that I couldn't cancel my policy or tell them to get knotted, as at my age I wouldn't qualify for a policy from any other company !!! So as always with Discovery "IT'S OUR WAY OR THE HIGHWAY" !!!! So as a pensioner with no option i will have to pay the new premium from R4610.00 to over R5k, which took effect from end of October beginning of their financial year !! That's why I've said the CEO of Discovery "Gore" and his colleagues don't give a continental about their clients all the care about is profit for the shareholders and their clients like me are financing the BIG blue elephant in Jo'burg their new bank and their car insurance company to our detriment !!! They've done something similar to me with their medical aid too and even though I had backing from my cardiologist and GP who sent letters, and proof of my heart condition, going back to October 2014 when I had an accident breaking my neck that caused heart fibrillations, for a script of the medication I must take to avoid a stroke, to be added to my chronic meds, which they flatly refused !! So it's cost me over R1000.00 p.m. for 4/5 years, then was reduced R560.00 due to the dosage being dropped from 2 pills a day to 1 per day, as my heart recovered very well and was strong and healthy even to this day !! The deputy of Discovery Health CEO Knowles at the time, now the CEO of Discovery Health, wrote back saying that Discovery themselves didn't pass this medication as they hadn't fully tested it !! Even to this day they flatly refuse to add this medication to my chronic list !! Who are they to override an international team of scientists that have tested and passed these pills for controlling the blood thinning to avoid strokes etc !!! Yep that's why I have a hatred for Discovery in general and wouldn't touch their bank or their car insurance company even with all the perks because they a bunch of takes and cannot be trusted at all !!! Unfortunately I'm stuck with them on the Life and medical aid purely due to my age !! After my accident I had a hell of a job trying to get the full payout on my policy and even to this day they won't pay me the balance of my claim that i was entitled to according to the policy !!! I even went through an ombudsman to fight my case for me against them BUT the small print wording they had in the policy won them the case which caused a catch 22 scenario but in their favour so I lost out !!!! Sorry it's very long but I couldn't have described what they have done in less wording !!!! So i must curse Discovery so one day they'll suffer for what they've done to the clients !!!