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I called Medshield in October 2017 and told them I wanted a medical aid. I told the consultant that was assisting me that I was planning on getting pregnant and wanted to know if I was going to be covered and he said yes but you have to be less than 12 weeks pregnant to be covered. and that I was covered immediately for emergencies. I joined the medical aid on 1st of December 2017. on the 3rd of December I got really sick and was bleeding and cramping, called an ambulance and I was admitted to Garden City hospital where I was told that I was having a miscarriage. I got a call from Medshield asking how far along was I when I had a miscarriage, I was about 8 to 9 weeks which I felt it was irrelevant because the consultant told me that I was covered for medical emergencies and a miscarriage is a medical emergency. Medshield has been giving me a runaround refusing to pay the hospital bills. my understanding was that I will not be covered if I joined 12 into the pregnancy and that was for when I have a successful pregnancy and have to give birth. and even if I was 8 months pregnant, the miscarriage is still an emergency. If you know that you do have no intension of paying the claim, let me know, don't give me the runaround and your agents are very rude when it's time to pay. it was all good when they wanted me to join.