What a horrible experience I have had with Sizwe-Hosmed! Worst customer Service ever!

I joined Sizwe-Hosmed in 2023, what a horrible experience I have had so far! My previous medical aid wanted me to serve a 3 months waiting period because I was paying through a salary stop order. Sizwe enrolled me and gave me all the documents and membership cards for me and my dependent. There were no exclusions and no waiting period. I informed Sizwe-Hosmed about my issue with my previous medical aid. The joining period was changed since I was still on the other medical aid and I was okay with that. Eventually when my membership with Sizwe-Hosmed was activated, I was given a new set of membership cards, a three months waiting period was imposed and a 12 months waiting period for my dependent, because I had disclosed that she was once treated for depression for six months.

2. My dependent had to be admitted in hospital for ****** bleeding; a condition that she was experiencing for the first time. Sizwe-Hosmed declined her admission. The hospital she was in had to move her to a public hospital because her Dr was concerned and felt that she needed medical supervision. Eventually after numerous calls on my side, she was admitted and she spent 8 days in hospital. While in hospital; she needed to do a CT scan. Sizwe-Hosmed declined her request for authorisation. After numerous calls on my side; they authorised the CT Scan. For every test she had to do, they declined first, then I would call and eventually they would authorise.

3. I have been paying adult dependent premium when my dependent still qualified for child dependent premium. Since beginning of October, I have been requesting a refund. The broker did the calculation and told me how much is due to me. On 19 October, they asked for my bank account confirmation letter and I sent it on the same day. Up to this day, I am still waiting for my refund. When I call, the call centre agents tell me something else. When I send an email, I get an automatic reply; followed by " we are happy to announce that your query has been resolved". Eventually, somebody from 3sixty seemed to be attending to my refund and he confirmed that there is an amount due to me. Many days later, nothing. When I call him; he iether has not yet read his emails or working on a manual payment because it has taken them long to pay me. I have never had such a continuously bad experience from any medical aid before.