I cannot recommend them at all

I had an operation done in hospital early Aug '24. I've put in a claim for Gap Cover afterwards. After numerous attempts so much so that my own email address was ultimately blocked by their IT dept they finally paid an amount at the end of Dec only putting me quite far in arrears with several doctors. The amount they paid out was nowhere near what I required or claimed for and was over R7000 less than what I'm entitled to claim. This leaves me with quite an amount left to pay out-of-pocket. I've been paying Kaelo for YEARS and accepted their crazy increases without complaint but when you need them, they're like ghosts and when they do decide to show face it's either with multiple excuses, tons of forms to re-fill in again or they just short pay. I would not recommend them to anyone! I was expecting a lot more from a company backed by an old institution such as Santam.