Medical Aid required - not a loan! Pensioner left without day to day benefit.

We chose appropriate Medical Insurance for my Mom, and now they seem to be forcing her to take out a loan that we do not want for the MediVault, and who's going to pay the extra banking fees? Their turn around time is also not appropriate and the Members are left without cover. I can understand if there's some changes to the Medical Aid benefits and/or rates, but why separate deductions and requests to complete loan application forms? I do not want a loan or another debit order, we selected Medical Aid for my Mother - not a loan. The one debit order date does not suit me and it doesn't give me any options. I have sent a request and my query is not being answered, I only get confirmation of what loan amount my Mom qualifies for. We manage her Medical Aid to suit her needs, now she has not been able to obtain her medication she needs because Fedhealth does not deal with the query and her usual over the counter medicine has been declined. My question is simple - are we now FORCED to take out a loan, or do we have an option to remain with the Option we selected and for my Mom to use her day to day benefits as she has been for years? If we change Medical Aid schemes there will be waiting periods due to her age (she's been a member since 2008) and note: you will need to provide (33 years) of previous Medical Aid Membership as per Medical Scheme Law in order for the Late Joiner Penalty Fee to be waved (removed or reduced). This is across all Medical Schemes; should I choose to move her to another Medical Aid. Why do we have to take out a loan, what's the difference in premiums going to be? I really don't think it's fair the way they treat people these days. I demand that they release the benefits that were available to my Mother under her day to day benefits so she can obtain her Medication. She suffers from Migraines and does not need to see a Doctor for that, that's a waste of money. Now that's not available?

Please respond to my e-mail (your previous references: 250319Q9XKZ5) via e-mail. The contact number below is Australian, so if you do want to call me, please take into consideration the 9 hours time difference and use the dialing code +61. My Mom is stressed and doesn't understand the processes, she doesn't want to receive calls regarding this matter. I am the authorized contact person and premium payer. You will have documentation on file.