DO NOT GO WITH DISCOVERY

This is to warn young individuals who are considering taking out life insurance.....DO NOT GO WITH DISCOVERY! They are the worst company, very **********, poor services, unprofessional staff and as no intention of honouring their policies.....it is all about the profits and bonuses. You may think you are covered for unforeseen sickness when you are older but this is not the case. My partners took out a life policy with Discovery in his twenties; at the age of forty he was diagnosed with various autoimmune diseases, he as been to multiple specialists, been in and out of hospital. He is on a long list of medication that have alot of side effects and adverse effects on his body/organs. Their is no cure for his condition, Discovery even put him on a trial drug which had adverse effects on his body. He has not been able to work for above two years; his policy covered these condition under server illness. He logged a claim with Discovery which is going on since 2017....i can not even explain the unprofessional and disgusting treatment he as received by the employees that are handling his case. You have to constantly send reminders, just to get feedback; the feedback given is also very unprofessional. They were even refering to an incorrect claim when providing feedback. In short.....they realised how sickly he was due to the medical evidence provided. They confirmed they will consider him for capital disability but he needed to go to their occupational the****** and then fill out an ADL form...yet for capital disability their policy states they will only assess on occupational duties and not ADL. Once you fill out the ADL which is not even explained to you and is opened for interpretation; they then put a private investigator (violating your constitutionally rights) to follow you, to basically catch you doing one of the items which you mark having difficulties doing. They then went on to sending a rejection letter cancelling his policy which he has had with them since his twenties stating he provided false information and that they had video evidence of him doing an activity, he advised he had difficulties with on his ADL. They ignored all the medical evidence that was sent to them since the claim was logged, all the medication and side effect he endures and the facts about his diagnosed conditions. They cancelled his policy knowing how sickly he was due to all the medical evidence they have; especially since he as his medical heath policy with Discovery as well and they have access to all his records. Even to change his medical aid now would be difficult due to all his preexisting conditions. They based their decision on one activity from his ADL, yet this has no baring on his occupational duties and what is required for him to perform his duties. People that suffer with autoimmune diseases have no control or can not predict how their body/mind is going to be for that day, the side effects of the medication they are on makes their mental state even worst and the adverse effect on their body organs reduces their life span. Their is no cure, their health just dimineshes, their quality of life goes down hill and they basically have to live on meds just trying to get by. I can not even describe the mental state his condition and the medication has left him in and to top things off how stressfully it as been due to Discovery unjust treatment. DISCOVERY has left him in a very horrible situation....he is too sickly to take out cover with another insurer....so he is left with no cover yet he supported Discovery for so many years. Although he tried to question them about their unjustified decision, they ignored his queries and handed him over to their lawyers, although his case as not even been to the ombudsman. His sickness as put him is a really bad financial situation, which Discovery is aware off.

On speaking to others about his case and how he has been treated by Discovery....alot of people seem to have similar experiences. We have a few lawyers and judges in the family who say he as a really good case; looking at the medical evidence, unjustified decision and poor response from Discovery.

His case has a long way to go....seems like we have to go the legal root which we were hoping not to has this can be costly....but we have no option. Discovery is a company that is not willing to honor their policy, they are not a fair company you basically have to have alot of funds and resources available to fight for your rights.

So when you are young and heathly, you take out a policy trusting you are covered should you be in an unforeseen situation but when you are older and sickly, your policy is cancelled by insurer for an unjustified reasons.....now this is DISCOVERY and how they treat their customers.

So I would highly recommend that you DO NOT GO WITH DISCOVERY.

Do your research and find a reputable company.