NO EXCLUSIONS on confirmation of membership but...

Recently app**** for medical aid at Momentum health. Stated on application forms that my dependent had previous issues with her health. They accepted us with NO pre-existing conditions. Have it on black and white. She had to undergo an operation (quite urgent) and they would not authorize the claim until medical assessment of previous doctors had been done. (this took about 2 week).

Must she sit with that pain for two weeks to hear if Momentum will cover?

we carried on with the procedure thinking that why would they not cover if they said there will be no exclusions?

If they actually investigated to the info given on the application forms, they would have noticed her health is not good and give us a list of pre existing conditions.

When I asked them why they did not investigate the conditions given in the application forms, they said : we did not understand what you wrote on the application forms.

So could they not contact me and make clarify what I wrote on the form? No. They only see a new customer.

After they investigated her previous conditions (after operation was performed) they come back to me with a list of pre existing conditions. Is that the time to tell me what shes covered for and what not?

Im sitting with the bill to pay now.

They immediately completely terminated her from my medical aid after investigating . Could they not investigate before accepting her without any pre exiting conditions? And why be so harsh to completely terminate her? Disgusting Momentum.