Momentum - Don't trust them, run away as fast as you can!

Today more than a year ago I was hospitalized after I have sustained spinal injury due to an accident. I was immediately rushed to hospital as I was unable to move without screaming in pain and my spine felt like it was going to fall apart completely. I was hospitalized and and then later confirmed by an orthopedic surgeon that I had a degenerative disc in my lower spine that keeps slipping out and pressing onto my spinal nerve. The spinal disc was damaged and I am now left with daily chronic pain and I have to see a chiropractor and physiothe****** weekly in order to cope with my daily life. Momentum has declined my claims for the hospitalization as they refuse to acknowledge my accident as an emergency. I have had their clinical team review my file twice but they still refused to pay.

On November 9th 2018, Service Consultant Roger Naidoo sent an email advising me that my casualty claim has been assessed and that Momentum will pay R340 (Scheme rates) of a R450 bill. I then advised Roger that I have already settled this account as the doctor was busy taking legal action against me. This payment was supposed to take place on the 16th of November 2018. I have been in contact with the doctor and this payment to date (27 November 2018) has not been received. More empty promises. I have bills outstanding of over R4000 that Momentum refuses to pay. Pathetic service, pathetic schemes - I will never in my life take any form of product with you. I have been deeply disappointed that after loyally paying my monthly installment for 2 years, Momentum could not pay out this one and only hospital claim I had and they insist on it not being an emergency. What is Momentum's criteria for an "emergency"? Clearly you have to die first. Oh wait even then they won't pay out.