Momentum HealthSaver through Moto Health Care

I have never been so frustrated with a service before in my life. I am so frustrated that I have even put time aside to write this review.

I have been struggling to access funds from my HealthSaver since last year already. I finally got my money back after 3 months of back and forth calls and emails (not the full amount I paid for doctors bills - I'd like to add) and now that I am closing my HealthSaver account I have to wait up to 6 months for my own money! What the hell is this? I've never ever heard of such a bull**** time-line. This is infuriating.

This was supposed to be a simple solution for my extra medical expenses. A dedicated savings account for all my medical bills. How nice. So I just show my medical aid card and Bob's your uncle - it's done? Hek no ...

The process is YOU pay for your own medical bills and submit your invoices (that clearly shows all your details and medical aid numbers etc.) to your medical aid. From there they decide how much they will pay towards this bill as they only pay a certain amount and some doctors or medicine costs are higher than medical aid standard rates. We all know this story - but I didn't think this would apply to my OWN SAVINGS ACCOUNT. Plus - you have to wait for a certain day every month that they pay out claims. It is a time consuming task - I may as well just pay cash at the doctor. If only I wasn't paying Momentum every month. hmmmm.

On top of all of this, trying to contact a consultant is a nightmare. You call the call centre and get a new person each time. You then have to explain your whole story from the beginning each time and end up with different results. I have so many reference numbers and still no one can help me and no one seems to know what the hell is going on.

My query is quite simple actually. I want to cancel my HealthSaver and get the funds on my statement paid out to me with immediate effect. I didn't sign any agreement that I would patiently wait 6 months for my own money.

So to summarise: Don't get HealthSaver - just open a savings account with your bank and have instant access to your own medical savings fund. This service is bull****.