US
Unathi S

1 reviews | Active since Jun 2011

26 Jun 2024, 15:09

Genesis Medical Scheme- Bill of Rights Infringement

I would like to warn the South Afrian public about this medical scheme called Genesis Medical Scheme. Firstly, they should not be calling themselves that, because their plans come very short of what a medical scheme’s plans should offer or look like.

I have been diagnosed with a condition that requires a half day in hospital procedure which I was informed that the procedure would not be authorised unless it is purely for medical reason. I informed them that, the procedure is indeed for medical reasons and I was informed that I needed to get pathology reports, consultation notes and motivation from the medical practitioner concerned in order to have my authorisation request sent through to the schemes management, who would then make a call as to whether to approve the hospital authorisation or not. So it’s okay that they deduct my money every month, however where I have a serious medical condition, they need to ponder on whether or not they would be making a payment for it to be done.

Fast forward, whilst in the process of gathering all they information they require and get it from the medical practitioner, I call the authorisation lady to tell her that I have the medical records she request and the motivation and she insists that she also wants a pathology report, something I believe a medical practitioner would have made a call or whether or not lengthy tests needed to be conducted, more so as the issue had been identified.

To add insult to injury, I subsequently receive emails from Genesis Medical Aid that I now need to send all the medical service provider that I have used recently with medical history of all my family members, bearing in mind that I have minors under the age of 18 there on as well. Strangely all the information on my family practitioner was furnished to them when I initially made an application to them, thinking that they were not only affordable but covered the basic day to day medical needs of my family.

I feel that I have been violated by this company and I believe at as per Chapter 2 of the Bill of Rights in the constitution . Section 14 provides for the rights to privacy Every has the right to privacy which includes the right to not have: * Their body or home searched *Their property searched * Their possessions taken from them * Their private communication infringed upon.

These are but a few and.I believe that I have grossly violated and while be approaching the Human Rights Commission about this and any other relevant regulatory body in this regard

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Replies (2)
Genesis Medical Scheme
Genesis Medical Scheme's reply27 Jun 2024, 09:08
Official
Dear Mrs Banda 
 
As we are bound by and committed to member confidentiality, we are unable to respond in detail on this platform. We will however communicate with you in person, as soon as we are able to, once we have the required clinical information. 
 
Funding decisions for treatment are governed by the benefits and limitations in terms of the rules of a medical scheme.  Your upcoming procedure is partly related to a Scheme exclusion;  hence the request for additional clinical information. 
 
Please may we request that you work with us and assist us in getting the outstanding information.  We are trying to help you. 
 
The trustees of medical schemes have a responsibility to the membership of the scheme as a whole, particularly those members who fully declared details of pre-existing conditions when joining the scheme and who were subject to the schemes’ normal underwriting criteria.  The Scheme is therefore fully entitled to request additional medical / clinical information, especially when treatment is required very shortly after joining the scheme.  Furthermore, when you signed the contract to join the Scheme, you irrevocably authorised your doctor or any other person, who may be in possession of any information concerning your health or that of any of your nominated dependants to disclose such information to the Scheme. 
 
Yours sincerely
 
GENESIS MEDICAL SCHEME 
US
Unathi S's update27 Jun 2024, 11:54
Reviewer Update
Good Day,

I have read your response, and I would like to believe that I have responded to your clinical requests accordingly. I do however take great offence to the insinuation that there was no full disclosure. I am not a medical practitioner and there was no way for me to know and determine the severity of my condition or the fact that a surgical medical procedure would be required to rectify the issues. On this premise alone, I am now even more determined to bring you to book as it is completely irresponsible for you to make such accusations.

Secondly, I would like to hear your explanation as to the reason why your employee felt it necessary to request that I get the supporting documentation and reports from the medical practitioner if they were going to call and get the EXACT same reports as I'd already submitted.

The bottom line is that your medical scheme is below par and I would NEVER recommend that anyone in their right mind join it. Discovery would never subject a member to this kind of nonsense.