One Plan Health Insurance ****

I write this review with such a sad and heavy heart. I joined this health insurance scheme in September 2019, meaning I am almost a year in, 10 months to be exact. On the 30th June 2020, my life was turned upside down as I had experienced the most traumatic event in my life. I had a miscarriage 6 months into my pregnancy, something that I could never see coming as my pregnancy was smooth and complication free. I had to be rushed to hospital in the wee hours of the morning as this was an emergency that required urgent medical attention. Upon my arrival at the casualty of the hospital, my baby arrived, before we could even make it inside the hospital wards. The casualty department then contacted One Plan to claim for casualty fees, that were immediately declined to my disbelief. According to my knowledge casualty benefits are activated 90 days from joining the plan and no waiting period for ambulance transportation. All of which were denied by this so called health insurance. Can you imagine being in my situation, and still having to pay thousands of Rands out my pocket unexpectedly, what have I been paying for religiously every month for if my claim was denied? I need to know on which grounds my claim was denied, I need answers. The consultant said my condition was a pre existing condition, I fail to understand how a miscarriage is a pre existing condition, and mind you I was not pregnant when I joined them. I am not willing to let this go until I have answers. I need to be reimbursed for this traumatic experience. I know it will not bring my baby back but it will relieve a huge burden off my shoulders