it lets its customers down when least expected

i have had wonderful experiences with this medical aid, until i gave birth last year where my baby was not covered and had to pay out of pocket as her birth was cost was rejected. to make matters worse had to be admitted to have surgery in November and to date there are some payments that we not done and claim there was no authorization (69 Clinical info requested but not received), had to go for xray follow up with authorization for the specialist but to date it hadnt been paid so im with R70000 debt that the agents keep saying it was paid but statements say otherwise.