STRATUM BENEFITS - WORST GAP COVER!

This is the second time that I have had an issue with Stratum Benefits. The only reason that I stayed with them after the first time was that I did not want to have another exclusion period when joining another Gap cover, but it feels like I have no choice, Stratum Benefits really is a terrible service provider.

The first time I had an issue was after I was told that my 2 year old would be covered for a tonislitis operation, I even had the call recording where this was stated. Apparently the sales guy just told me this to get me to join as there was a waiting period attached to this cover. I found this out only when it was time to claim. I should have read the small print and not believed anything that I was told on the phone as it is common pratice for Stratum Benefits agents to lie to customers, with no reprecussions.

This time, I made a claim for my 1 year old who was hospitalised. I submitted the claim, which was rejected due to my daughter not being insured on my policy. When I called them the agent advised that she was on my membership so she was not sure why it was rejected. When I asked her to confirm when my daughter was added, she said it was in April 2018 and then for some reason she was removed in Dec 2018. My daughter was only born in Sept 2018, she didnt even have a name, let alone ID number in April 2018 so I have no idea why/ how she was added before she was even born. They have no idea who removed her in Dec 2018. Both agents I spoke to advised that they would escalate the matter urgently, however I am yet to receive any correspondance from them, apart from their automated response.

So to date, I have no idea when I can expect to get a response, let alone get the claim paid. In the mean time, I have to figure out how to pay the doctors bills, because STRATUM BENEFITS GAP COVER IS A WASTE OF TIME AND YOUR MONEY!!!

This is really the worst gap cover you could consider taking - look for alternatives who actually give you peace of mind and who are able to process claims when you need it the most, Stratum BEnefits only care about deducting your premiums on time, nothing else.