MOMENTUM MEDICAL AID Incentive Plan, SENSELESS CHRONIC BENEFITS!

So it seems that on Momentum's Incentive Plan they do not cover Osteoporosis as a Chronic Condition, because - as I was told - "It is not life-threatening" but instead is a "life-sustaining" (?!) condition. Excuse Me?! Tell that to someone with Osteoporosis! However, they do cover Acne, Eczema, Psoriasis of the skin, Allergic rhinitis (aka hay fever)...... somehow these conditions are deemed more life-threatening than Osteoporosis - if one follows their rationale for which chronic conditions they do or not cover (i.e. life-threateningness being a mentioned consideration). Also, EVERYTHING other hospital related expenses seem to be taken from the Savings Account - until there is nothing left, and one then has to pay out of one's pocket...... even ALL Optical Benefits are now deducted from Savings!! So what is the actual point of this plan? One may just as well just have a Hospital Plan, and one's own little savings account on the side to pay for out-of-hospital expenses.