CB
Conrad B
Active since Nov 2018
19
Reviews
0
Industries
Reviews
19 reviews3 months ago
Unreasonable Delay, Incorrect Late Joiner Penalty & Failure to Activate Membership – Bonitas Medical Fund
I am lodging a formal complaint regarding the unreasonable delay, incorrect imposition of a Late Joiner Penalty (LJP), and Bonitas’s failure to activate my membership despite all required documentation being submitted. Background: My application to join Bonitas under my own policy was submitted on 1 December 2025. I had continuous medical aid cover prior to this application and was a Bonitas member myself until 31 December 2025. Despite this, a Late Joiner Penalty was incorrectly imposed. I signed the underwriting documentation and formally requested that the LJP be reviewed and corrected based on my continuous cover and prior Bonitas membership. Ongoing Issues: Despite signing underwriting and submitting all required information, my membership was never implemented. Multiple follow-up emails were sent requesting: Activation of my membership, and Review and correction of the incorrectly app**** Late Joiner Penalty. I formally escalated this matter on 4 January 2026, reference 161225Q98WXT / MI1583971563. As of today — more than six weeks after submission — no resolution, activation, or written confirmation has been provided. Complaint: This situation reflects poor administration, lack of responsiveness, and failure to apply underwriting rules correctly. The incorrect application of a Late Joiner Penalty despite continuous medical aid membership — including prior Bonitas membership — is particularly concerning. The ongoing failure to activate my membership after underwriting was completed has left me without clarity regarding my medical cover and has caused unnecessary stress and inconvenience. Resolution Requested: Immediate activation of my Bonitas membership. Formal written confirmation that the Late Joiner Penalty has been reviewed and corrected in line with my continuous medical aid history. Written confirmation of my membership status, effective date, and contributions. Assurance that no further administrative delays will occur. I request that this complaint be escalated to senior management for urgent intervention. I expect written feedback within 5 business days. Should this matter remain unresolved, I will have no option but to escalate it to the Council for Medical Schemes. Kind regards, Coenraad Mark Botha
56 replies
6 months ago
Partial claim rejection with no valid reason and poor service response
I am extremely disappointed with the service I’ve received from Stratum Benefits regarding my claim dated 4 September 2025 (Ref: 10172522 | CRM:0354009663). I submitted a valid claim for a neurologist consultation (Dr Natanya Fourie), which was correctly processed by my medical aid. However, Stratum only paid R591.55 of a R4,497.39 claim, rejecting the remaining R3,183.89 on the basis that “the medical aid did not pay part of this line item from a hospital benefit.” This explanation is both incorrect and unreasonable, as this was not a hospital procedure — it was an out-of-hospital specialist consultation, which should be assessed under the Gap Cover Specialist Consultation Benefit. My medical aid did not pay because my savings account was depleted, not because the service was non-qualifying. Despite providing all supporting documentation and querying the matter, Stratum has failed to provide a clear or policy-based reason for the rejection, and their customer service has been unhelpful and dismissive. This kind of treatment shows a lack of accountability, transparency, and care for policyholders, especially when premiums are paid faithfully every month. I have since escalated this matter to the Ombudsman for Short-Term Insurance for review. I would caution others to carefully read the fine print before joining Stratum Benefits, as their interpretations of benefits appear to be inconsistent and unfair.
53 replies
6 months ago
Refunds to Virtual Cards Not Reflected – FNB Fails to Resolve Issue After 6 Weeks
This is now the second time I’ve experienced this issue with FNB’s virtual cards. When a refund is made to a virtual card, it shows under “DR Outstanding Debits/TE Refunds” on their system — but the amount does not reflect in the available balance. In other words, FNB receives the refund but does not automatically credit it back to the cardholder. I’ve contacted FNB through the in-app chat multiple times, and each time the consultants either don’t understand the issue or promise that it will be escalated and resolved. It has now been over six weeks, and absolutely nothing has been done. This is extremely frustrating, as these virtual cards are marketed as a secure and convenient option — yet FNB’s system clearly has a technical fault that their support team either can’t or won’t fix. I would like FNB to: 1. Immediately investigate and credit the missing refund amounts to my account. 2. Provide feedback on why these virtual card refunds are not processed automatically. 3. Ensure this issue is permanently resolved so other customers don’t face the same problem. I expect prompt feedback and action, not another empty promise.
53 replies
8 months ago
******* debit
zety.com continued to debit my account, even after cancellation of my trial.
0 replies
9 months ago
Virtual card nightmare
on the 26th of June an amount of R554.07 was debited of my business virtual card - I logged a *****ulent claim that day and that card was blocked. I have been following up. yesterday I was I formed the money was refunded on the 14th of July. This does reflect on my transaction history and balance, but the funds have never been available in my account or on the available balance. Trying to follow up with FNB has been a nightmare being sent from pillar to post to get this resolved. currently busy with the 6th consultant who just relays the same Information
159 replies
14 months ago
What contact centre
Contact centre is impossible to get hold off. I need to register for PMB, but cannot get hold of the documents to do so, cause I cannot reach the contact centre. In the meantime all the costs that should be covered under PMB is just being deducted from our savings.
127 replies
15 months ago
Zero commitment to clients
FNB cannot protect your funds from unwanted debit orders. They cannot reverse a debit order even if the institute in question does not have a contactable number. Just another way ***** can be committed on your account. It is safer to keep your money under your mattress. All whilst the contact centre sends you from pillar to post for more than an hour. Just to let you onow, sorry you will uave to call another department
53 replies
15 months ago
****
****!!! RUN AWAY They promise loans, make you sign debit order, then dont deliver on their promises. And then the continue to debit your account!!!
0 replies
15 months ago
Great customer service
Thank you Zandy from the contact centre for following through and getting back to me. Ensuring I get my much needed MRI approved. You are a life-saver. You might not see it, but you make a difference. With staff like Zandy Bonitas will go far
53 replies
15 months ago
MRI Declined -
Good day Hope this email finds you well. Please advise as to the reasoning as to why a request for MRI would be declined? I am currently walking around with a broken prosthetic in my neck!!! Now I have to jump through hoops in order to get authorisation for a necessary medical investigate procedure to resolve the matter. My surgeon (Dr. Thobejane at Zuid Afrikaans Hospital) requires the MRI for the appointment. He is one of a handfull of surgeon in South Africa that are skilled at Artificial Disc replacement. The discs were installed in November 2018 and have worked perfectly till recently, this was disclosed to Bonitas when we registered with your scheme. Untill I have this appointment and correction of the damaged disc/s I am at risk of becoming a quadriplegic!!! Would it not be prudent to get this resolved as soon as possible. We are well aware Zuid Afrikaans Hospital is not on our network provider list as a hopsital, but a radiology department is a service provider seperate to the hospital. It is my opinion that Bontias would be liable for any further damages sustained if treatment is not granted and the matter will then be referred to the medical ombudsman .
106 replies
Review Distribution
5 Star
1 (5.2631578947368425%)
4 Star
2 (10.526315789473685%)
3 Star
0 (0%)
2 Star
0 (0%)
1 Star
16 (84.21052631578948%)