Poor benefits.

Don't know if they are a medical scheme or magical company. They know how your health is going to be. Reduce it when they know you going to have a bad year. Like to play around with ones life. If they not happy with medication the Dr. Prescribed even if it is cheaper they want to be the Dr. Tells you what to use. End up going to the Dr. Time after time to get a way that works with you and with them. Then all your benefits is up or you end up in hospital.