Experience Horrible Experience with  Pulamed Medical Aid/AFA

I encountered an unbelievably frustrating and disappointing situation with Pula Med Medical Aid that I believe anyone considering their services should know. After consulting with a specialist for a health issue, a diagnostic test was recommended to identify the cause. Despite this, Pulamed rejected my diagnostic test, not once, but TWICE, under the guise of policy terms. The Specialist Dr at GPH tried his best to explain to them this is not a pre-existing condition, rather a diagnostic test to actually determine the cause of symptoms. Apparently PulaMed reps know better, dismissing the specialist's explanations with undue confidence. 
Pulamed seems to have a set of fine print in their policies that conveniently comes into play to justify claim rejections. Be sure to read each line of their policy terms and also be prepared for twists and turns, when it’s time for a claim. Their interpretations will surely differ from yours.
Lesson learnt, PulaMed will not cover any expensive diagnostic tests in the first 2 years of you joining the medical aid, under the guise of pre-existing condition/major intervention.