Old Mutual medical scheme/insurance is a ****!

Old Mutual has again provided a **** of service!!!

The company I work for has Old Mutual medical scheme which has proven to be extremely disappointing and a ****! Yet again another Old Mutual product has disappointed me. The medical scheme operates virtually through WhatsApp mostly, on WhatsApp you speak to a medical professional so they say who you tell your medical problem and they would decide if your medical condition is worth seeing a doctor or prescribe something, in all the times I’ve used it they will ALWAYS prescribe something that doesn’t help and that needs co-payment.

They ask explicit pictures of us so they can virtually diagnose, these would include **** pictures if you have a rash is on your breasts and when you refuse stating how this is uncomfortable they will tell you that you have right not to however they can not assist since they don’t know what the issue is, which is extremely degrading and they hardly ever authorise you to see a physical doctor.

However the reason I am writing this review in April 2026 I got sick at work, I was hyperventilating and struggling to breathe as I have asthma. The first problem was getting an ambulance which arrived only 2hours later while I struggled breathing and my body in a horrible state. When it eventually did we spoke to an Old Mutual medical scheme insurance advisor on a phone call who advised both to a friend of mine and paramedics that the nearest hospital was Vincent Pilotti and I should be sent there. I was discharged the same day. To my surprise to be informed the hospital doesn’t take that medical scheme this was so degrading and embarrassing in my state to have to discuss payment which I couldn’t do, we contacted Old Mutual support again informing them of this and they confirmed they would clear the payment. A certain form was to be filed we left the hospital understanding that this would be sorted, a few weeks later the hospital contacted me requested payment.

I explained what happened and they chased the medical scheme/insurance who later rejected my claim, which I do not because I was referred by them and the symptoms were physical and needed medical attention. Now I am in hospital debt and when I informed a senior with the insurance she promised to follow up and never did.

Old Mutual is disappointing, I strongly advise people to not take any products from them.