NOT WORTHY OF ONE STAR RATING SO BAD IT SHOULD BE NEGATIVE!

I was cold-called by a lady from The Unlimited who sold me an Accidental Hospital policy. Both my self and my wife are covered by the policy, or rather should be. In December last year, she was hospitalized due to a fall and was in for two and a three-quarter days. According to the policy I was sold we should have been paid out R 6000.00. R3000.00 per 24 hours of continuous hospitalization. The claim has not been settled as they are only offering for one day R3 000.00. They say that on the second and third days she was not treated for her injury, but for her other chronic conditions. She was only under one doctor an Orthopedic specialist. No physicians etc. Can someone please explain to me how you leave your chronic conditions outside the hospital when you are admitted for an accidental injury.

Mabey it's me that I am plain stupid, but I don't know how it's done or ever has been done that those who suffer from chronic conditions somehow miraculously no longer have those conditions while you are treated for an injury.

I was then admitted to hospital for fourteen days in January, relating to an old injury. Now when it comes time to claim and for The Unlimited to payout then the exclusions and all the nondisclosure on their side come out. When you take policy you are not sent any policy documents. Only after I have made the claims do the policy documents come forward. Does this not give the insurer the ability to change the policy to suit them and add in exclusions? In short, would I recommend The Unlimited to anyone? NO !!! Not even my worst enemy.

Now I realise why the name The Unlimited!!

UNLIMITED PHONE CALLS UNLIMITED FRUSTRATION, UNLIMTED EXCUSES UNLIMITED INCOMPETENCE UNLIMITED ********