In reality, this is not a real Gap Cover!

My experience with this company is quite worrying to say the least: Sadly, it appears that the Modus Operandi is to 1. Reject claims based on lack of documentation (irrespective of the claim application), 2. Then reject the claim for not being a defined procedure, 3. Finally once they realise that the customer is not backing down come up with either "Scheme Exclusion" or that it was already "paid in full" by the medical aid. This irrespective of the reality. Even if you never back down, you will in all probability receive only a small fraction of what you expected! Unacceptable service.