Umvuzo not a good choice

This is by far the worst medical aid I've had. You have to deal with *********** personel that can't answer any questions or take forever to answer when you call by phone. The first year they captured all my dependents information wrong and I had to pay for medication out of my pocket and some guy named Petrus Geel told me to email the receipts and I will be refunded as they are fixing the error that was made. So from 2020 still have not been refunded. My wife done bloodwork through ampath and the medical refused to pay it but informed me 4 months later after receiving four months payment and stating that we needed authorization to do the bloodwork. So first time bloodwork for my wife. During this time they wanted a motivational letter from the doctor that had to state why they wanted blood tested only still to refuse payment. I've had to pay dentist's for my daughter because they don't pay for certain things the doctors use. I had to pay for tooth abstraction after they refused to pay for that too so basically I'm paying only fir colds and flue coz the rest I must pay cash because it's not authorized.....Everything you do needs authorization which they never said or never contacted me and explaining and when you do call them you are passes from one place to the next so if you ever think of a medical aid be careful of umvuzo because you going to need extra cash to fork out when you need it the most. Note this that one day you'll have an emergency but you'll have to wait for authorization of which they don't wait for when you pay them...As I'm writing this I am applying for another medical scheme.