Here is a Company that does what it claims to do.

After lengthy negotiations with Medihelp, at the conclusion of which I was given to understand that "network" means exactly what they mean it to say, neither more nor less (with acknowledgment to Lewis Carroll's "Alice in Wonderland") I sent in a claim form to my gap insurance providers, Zestlife, for the contested sum of R30000. In less than 10 days the full amount arrived in my bank account; this without any kind of contact from Zestlife - it just happened. This is the sort of service we should be able to expect but so rarely receive - and for this I feel high praise is due to Zestlife.