MEDICAL AID OR LOAN COMPANY???????

Fedhealth is busy exploiting their members and is a pathetic Medical Aid. When my mom, who is a pensioner, joined them in 2007, she had a savings plan as any other Medical aid has for their members for day to day medical expenses. Then they changed it, her monthly premiums now only covers Hospitalization, chronic medication, etc. For her day to day medical expenses, they implemented a 'wallet', which means she has to BORROW money from them for these expenses, and pay it back in a monthly premium with interest. (Are they even registered as a Financial Institution to issue LOANS to their members?) Really????? And they dare to call it revolutionize!!! If I wasn't so angry I would have laughed at this. So when I asked what happens to her normal monthly premiums should she not go to hospital, etc. I was told it's like an Insurance policy, they insure her life SHOULD SHE DECIDE to go to hospital and they can't refund her on that. So for her to get any benefit out of this pathetic medical aid, she has to decide to go to hospital for a few days?? This is the biggest load of **** I have ever heard and if my mom wasn't so old, I would have cancelled this pathetic medical aid immediately. I could just as well get a normal Hospital plan for her and pay her day to day expenses myself, as I am currently doing. I requested money from the 'wallet on the 5th of August, and only received a response on this request TODAY, the 21st of October. Can't complain about the service because there is NONE. I will NEVER advise any other person to apply for membership at Fedhealth. I'm not sure if they are a Medical Aid or just a Company borrowing money to people while collecting a monthly premium SHOULD ONE DECIDE TO GO TO HOSPITAL for a few days. Although, it is a very nice way to make some quick money.