Momentum Health? better off with something else

Worst service ever.

I joined the medical scheme in October 2016 so I've been with the company's Momentum Health Saver for less than a year on a hospital plan and for my very first experience in trying to get hospital authorisation for a procedure for a networked specialist, I was failed by the scheme, MISERABLY.

I needed to go for a colonoscopy after I adhered to all the procedures and followed up regularly with the clinical assessment team (as I haven't been with the scheme for more than a year so I understood the necessity of the process).

The team needed records a year prior to joining the scheme which my GP and specialist provided, I only saw my GP once in 2016 for a case of diarrhoea, and my specialist, for the first time ever, two-weeks prior to writing this.

Fast forward to June 2017 I was at my GP again for a case of diarrhoea and ****** pain. And more recently I was there again for the same thing, but I had experienced some bleeding, this time my 3-month probation was over, so I could claim.

So I decided to seek the help of an in-network specialist because my mother has a history of colon cancer, which I declared numerous times. The specialist noted that just to be safe I needed to undergo a colonoscopy.

After pushing the procedure date back weeks at a time while the assessment team conducted their "investigations" (keep in mind I've only been to the doctor once a year prior to what happens next) my contract was terminated.

If the scheme was concerned about taking on a patient with a family history of cancer, WHICH WAS DECLARED, then why still accept me and take my money for months on end and still terminate my scheme?

So now I sit here having contributed for almost six months, with an upcoming procedure and no medical aid. I could've used the money I paid for my premiums and paid for the procedure myself.

I have the opportunity to appeal, but will not even bother with such a useless service, that when called upon can't even deliver.