Kaelo Gap Cover - The Gap that fails to cover

I have been admitted twice to hospital. 3 months ago. I have called several times. I have emailed several times to all the same responses. ''you need to do an online application'', Which does not have my correct medical aid information. which only comes 3 to 5 days later, the first application was deleted with no communication, until we called to inquire, Staff are not helpful in any way, and same like all the other bad reviews, I see this is a common problem, Our gap and medical aid cover is via NGM so I will also be contacting them in regards with the services we getting. I will also attached all the other reviews of all other customers which all experiences the same issues. Before you respond- Yes , I'm sure someone will be in contact with me..... like your emails in 3 to 5 business days later, Great service !