Unacceptable treatment

I registered with Liberty Medical Scheme for their Traditional Standard package in November 2014 having been a constant member of Rand Water Medical Scheme for 36 years. I was assured that there would be no waiting period and no penalty for late joining as I was moving from one medical aid to another with no gap<br> When I submitted me application, Liberty initially wanted to charge me a late joining penalty as well as imposed 12 month waiting period. <br> After much discussion they waived the penalty but still insisted on a 3 month waiting period as they stated I hadn't been on my own medical aid but rather in my ex-husband's. <br> My first payment was deducted on 1 December 2014 and then on 1 January 2015 my premium was increased before I was even permitted to utilize the fund. <br> On 11 December 2014 I fell down the stairs at home and cracked my wrist. As I had no cover, I was forced to forgo treatment. <br> I have requested my membership card as well as the rules of the fund on 2 occasions but to date have received neither. <br>