Sharad M

FALSE ADVERTISING

My name is Sharad Makhan. I had recently joined a medical insurance named emergivac, the cover is for accident and illness which is to cover you in casualty and if need be admission. On the 8th of December 2022 my fiancé fell ill at work to the point whereby she was disorientated and was throwing up very badly. We requested assistance from emergivac which took her to a government hospital and yet the policy states you will be taken to the nearest private hospital and that did not happen. When I got to the government hospital she was in a lot of pain and was not seen to, I called emergivac again to transfer her to a private hospital, when that happened the hospital it said emergivac is not apart of their network yet the policy does not specify that we have to go to network hospitals, they only covered the casualty cost and the doctor said she needs to be admitted, they then said that they can only cover the admission if its life threatening and this was traumatic because my fiance is 3 weeks pregnant and they refused to pay for admission. The emergivac agent that sold the product did not mention anything about admission for life threatening events only. There is still a bill to come for blood tests. The only reason why I am not going to the media with this or taking legal action is I first want to see what emergivac has to say about this. How the ****** hell is a paramedic or call centre person to know if a illness is life threatening or not, my fiance could not even talk properly and your " admission guarantee" is a lie for she had illness and was refused to be covered. Oh and before you say she was rushed to the nearest government or private hospital Northdale Hospital was not the nearest hospital it is one of the worst government hospital. I await your reply. I hope this reaches someone competent and not the someone like the terrible, unprofessional and rude agent that sold me this horrible product. The only thing I am grateful for is that Patsy in your control room did all she could to at least get her seen to at a private hospital. My fiance is traumatised and still very ill at home I truly this hope this means something to you people.