Another day of shocking ineptitude in South Africa

I have been a member with Oneplan since October 2013. In nearly 6 years I have been paid out a total amount of R2960 ..... after many calls. An emergency trip to Casualty on a Saturday evening in November 2017 was rejected after getting pre-authorisation. Reason? The invoice was only issued on the Monday. Other refunds onto the Onecard have been reversed after 2 days. After experiencing a problem with the Onecard when I went to the dentist on 29 July 2019 I submitted my claim. Claim queried because receipt covered part of the invoice. Resubmitted. Informed by Veenash that refund would be paid into Bank Account. Have just been informed that funds were loaded on the Onecard which I can use in future??? So I have now been deemed to be a Financial Services Provider, whereby Oneplan can "borrow" money from me indefinitely until I, sometime in the distant future, once again require medical assistance. Is the approximately R70000 in premiums worth the R2960 health cover I fought for and eventually received worth it? I'll leave that up to you to decide.