Sanlam Gap Cover is a ****

Sanlam Gap Cover is the biggest money-making **** ever! I have been a client since 2015. This is only my second EVER claim since then. They VERY HAPPILY take my money every single month (NOT ONCE LATE or MISSED), but when it's time to claim. They have a million and 1 reasons why they can't pay out! I had a shoulder operation, I did everything that was required of me, from starting at the GP, to the Specialist, pre-approval from my Medical Aid, everything! My medical aid was wiped out by this operation. Exactly when your GAP COVER is supposed to COVER THE GAP! Nope, not these people! Not only that. I've had to run around after them from the beginning of this disgusting experience. I have to follow-up with them telephonically, only to find out about outstanding requirements! They have rejected ALL but ONE of my claims. That claim wasn't even paid in full either! And I have the Comprehensive Cover! "Any cost or shortfall due to you exceeding your benefit limit on your medical scheme is an exclusion" "Shortfalls on ward fees, theatre fees and other hospital expenses are an exclusion" "Any code declined by the scheme is an exclusion" "Medical Scheme reimbursed below scheme rates" These are just some of the shocking Decline reasons I have received. WHAT IS THE PURPOSE OF GAP COVER??? When we were looking for a Gap Cover back then, we SPECIFICALLY chose a big reputable name to go with. TO AVOID THIS EXACT EXPERIENCE! I will not recommend Sanlam Gap Cover to ANYONE. They are the biggest ******* of them all!