Discovery Health is rated the best medical aid in South Africa.
If this is in actual fact true, then there is little hope for anyone in this country looking for medical treatment.
We struggled for almost a year to actually join Discovery, as they insist that you have to work through 1 of their certified “financial advisors”.
At 1st we could not understand why it was SO hard to get one of these advisors to come and see us, until we later found out that they do a TON of work for Discovery, and then get paid LESS than R100 per signup. Once off only! Not even recurring!
Talk about biting the hand that feeds you!
We finally did get signed up, but, there were a few restrictions …
1. I have some issues with hay fever. Nothing serious, and minimal medication from time to time. This was excluded for 1 year. Nothing major, as it’s like R150 every couple of months.
2. My son has ADHD and Asthma. The Asthma was covered, but, only because they are forced by law. The ADHD medication was excluded for 1 year, and costs around R1,500.00 per month.
We fully disclosed ALL previous medical issues to the advisor, who made notes of it all.
Because we were out of South Africa for many years, and because we did not join a medical aid as soon as we got back, my wife and I were both penalized and 5% was added to monthly premium for life!
We ended up on a medium level plan, for my wife and 2 kids, and paid around R5,200.00 per month, EXCLUDING the items mentioned above, which brought our monthly medical bill to around R6,700.00.
We’re not sickly people, and don’t visit the doctor often. In the 4 months or so that we have been on Discovery, we visited a few times, and some medication. Nothing major, and not even touching R1,000.00 a month for the time we were on.
In 2009, my wife was diagnosed with high blood pressure and was put on medication.
After about a year, her blood pressure normalized, and she was taken off the medication.
This was fully disclosed to our advisor.
About a month after joining Discovery, my wife was put back on her blood pressure medication, which comes to a massive grand total of R200 per month.
Today, several months later, Discovery phones to tell us that they are now canceling our medical aid because we failed to disclose the previous condition.
The woman I spoke to, who was the rudest, most arrogant person I have ever had the displeasure of speaking to, insinuated that we lied and did not disclose everything, and that we were being canceled immediately.
Best of all is that she phoned the day AFTER our next payment was made!
I tried to explain that we DID in fact disclose the blood pressure to our advisor, and if he did not inform them, then she should take it up with him directly.
Her response was that Discovery had a contract with us, and not with the advisor, and that as WE did not disclose the pre-existing condition, we were in breach of contract.
What a load of complete and utter nonsense, all over R200 a month!
If you do some research on Discovery, you will find MANY horror stories with them, many WAY worse than ours.
Avoid Discovery like the plague!
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