Very dissappointed in Polmed medical aid

I am extremely dissatisfied and frustrated in the handling of my daughters recent hospital procedure claim. Several crucial claims were only partially paid leaving me with nearly half of the total amount owed to service providers. This outcome is both unexpected and unacceptable. What makes this particularly dissappointing is that I've been a loyal member of this medical aid for more than 21years,in all that time this was the first occasion that I or any member of my family required a hospital procedure. After more than two decades of consistently paying contributions, I expected fair coverage and reliable support when it was finally needed. Instead I have been left with a significant and unforseen financial burden. Members rely on their medical aid to provide meaningful support during serious medical events, and in this instance the service and claims handling of polmed have fallen far short of expectations. I strongly urge polmed to review this partial claims payment as this was in hospital and not out of hospital. My underage daughter also needed physio therapy after this surgery and due to polmeds non-payment for this essential benefit I had to borrow money to get my daughter the help she needed as she had to learn to walk from start again because polmed failed my daughter in this regard. On top of that now I am left with almost half of the amount of the procedure to pay the service providers which leaves me with the question why are we paying monthly contributions and why is there different benefits like in hospital but they dont cover essential aid for their members. For a medical aid that members trust to provide support during serious medical situations this level of service is extremely dissappointing. This experience has seriously damaged my trust in the values of this medical aid called polmed and I would strongly caution other members to carefully consider their options before relying on this scheme...