Do not join Stratum!

I have been sending in Claims since the 13th of August, all I get is the automatic response e-mail, happily stating 'WE’VE GOT IT AND WE’RE ON IT! ' Since then I have asked what the status is on the 29th of August, spoke to a Byron on the 3rd of this month, and up to this point only one of my claims has been responded and approved. There are still three that is outstanding. It really does not help advertising that 'Your peace of mind is our priority, because when your medical scheme does not pay your private healthcare fees in full, your trusted Gap Cover Provider will.' Because Stratum does not. Instead I am being threatened legal action, and Stratum is apparently just ignoring their clients.