Specialist visits and claims process a ****

Flexicare is a total **** and how they catch you is by not revealing all relevant information upfront with regads to the policy. When taking out the policy it lists specialist visits as part of the benefits, but what they (intentionally) neglect to tell you is that you have to pay for the specialist consultation IN CASH and then submit a claim to them after the consultation, to be reimbursed. But this reimbur*****t comes with a list of terms and conditions, and they will then ultimately get to decide whether to give your money back or not based on their criteria. Then I was told of my specialist consultation (non network because that was the one I had always gone to) which I paid R2200 in cash for, I might only receive back about R550. So actually almost next to nothing of the amount I paid. This where you get almost none of your money refunded does not only apply to non network visits, as Flexicare also says in situations of going to network specialist you can only get UP TO R1300 of your money back, meaning it can be less of that amount, so in essence you keep paying premiums for a service not knowing that when its comes to specialist visits you are so to speak left stranded and treated as a CASH patient, spending YOUR money on consultations, not knowing if u will get any of it back. Then to make matters worse they send you a long list of requirements and details which the specialist must include on the invoice and YOU have to fill in a bank details form and submit a copy of your bank Statements and copy of your ID, with the claim; as if they don't have your banking details on record, mind you, this being the exact same banking details they use month after month to get their debit payments from. So how do you now have to fill in and submit a new form as if they are not already in possession of these details? So in my view these so called requirements are just clever tactics to make it so hard for you as the client to submit a claim to get your money back. The process to claim back your money is way too complicated and daunting with the submission of all these forms and details, that I have now just written off that 2K as a loss. Will defnitely not recommend this plan for anyone who is in need of medical care.