On the 10th of June 2009, the main member was hospitalised. The hospital will not admit a patient without full payment being made up front for which a credit card transaction was made. When contacted, the medical aid indicated that the amount was fully refundable. Documentation was sent as requested and the medical aid on the 13th of August finally made payment - not to the claimant but to the hospital (AGAIN!!!). Get the money back - of course not. We have been told to start the process again by submitting the paperwork again. Of course trying to call on the customer care service number is nigh impossible - engaged tone can be heard for up to an hour at a time!