Sanlam (kaelo) Gap cover

Sanlam and (sanlam kaelo) this company is *****ulent, after months of struggling for the sanlam Kaelo gap cover to sort out short payments of hospital claims not paid by our medical aid, they just refuse to pay the shortage, even though it was not a pre existing condition and even though the claim is not within our waiting period, I will never again support sanlam in any way, now sanlam kaelo was taken over by centriq and this makes it even worse!! Before you take out any Gap cover make sure this is not from Sanlam I have in my whole life not ever seen that you pay for a service and they just bluntly think out any nonsense just not to pay what is promised when the insurance is taken out