Horrible and tedious Stratum expeeience

I can’t give less than 1/5. The entire experience has been tedious. The claim process is horrific. Then they ask 10 million irrelevant questions. Then more paperwork and more emails to say they are working on it just to get an email to say it has been rejected for some reason that no person can understand. When you join they say all these nice things like we cover you for emergencies. Well mine was rejected because “they don’t claim doctor consult fees”. Okay well how do you explain a doctors office being open at 2am? The doctors are the emergency room. Then they say baby is 100% covered no matter what. Pfft think again. They only cover the R7.00 linen saver “on a seperate line item”. Then they also say they cover you in full in hospital for any procedure. I’m still waiting for that outcome but I’m not hopeful. So please do yourself a favour and go find gap cover elsewhere because Stratum is definitely not where you want to be.