What a disgraceful medical aid

My mother in law who is 89 years old has been a loyal Sizwe client for absolute years. Her medical aid contribution is now over R11k per month which she pays on time every time. Due to her age she has had a few falls, a knee and hip replacement. Before this she hardly claimed. Sizwe has paid for those operations but now after a bad fall that required major surgery to her arm, they have short paid over R80k worth of invoices. This is since they have gone under curatorship. She is on their highest tier possible. Every time I call, I am given new reference numbers, told to call back, cut off and generally disregarded. I had to query 4 invoices and after the 3rd one I was told by the agent she can't assist me anymore as she can only assist with 3 "queries" per call. She had to palm me off to another agent and I was promptly cut off. All this whilst doctors are sending me final warnings to pay their invoices. They are a disgrace. In all her years she has far out paid what she has claimed by hundreds of thousands of rands. It's a disgrace. Soon they will have no clients. Stay away from them at all costs.