Declining Service and Unacceptable Policy Changes – POLMED Medical Scheme

I am extremely disappointed in how POLMED Medical Scheme has deteriorated over the years, particularly regarding the so-called “Aquarium Package.”

Recently, my daughter injured her ankle, and we consulted a doctor who, out of medical concern, referred her for X-rays and a sonar. This was not a decision I made lightly or without professional guidance. However, to my shock, POLMED rejected the claim, stating that under the Aquarium Package, X-rays and sonars are only covered in life-threatening situations.

This raises serious concerns. Since when are diagnostic tools like X-rays and sonars reserved only for life-threatening cases? How are members expected to properly diagnose injuries before they become critical? The logic behind such a policy is deeply flawed and, frankly, alarming. It makes one question the competence of those responsible for these decisions.

I am also aware of colleagues whose children faced genuinely life-threatening medical emergencies, yet POLMED failed to cover even a reasonable portion of their treatment costs—despite prior authorization being granted. This inconsistency further erodes trust in the scheme.

If POLMED no longer intends to provide the level of cover previously associated with the Aquarium Package, then they should be transparent about it. Members deserve clear communication regarding benefit changes. In the past, X-rays and sonars were covered—what has changed, and why were members not properly informed?

With recent reports about challenges facing schemes like Government Employees Medical Scheme (GEMS), one cannot help but wonder whether POLMED is facing similar internal issues. Given the broader concerns around mismanagement and *******ion in various sectors, these experiences only add to growing suspicion and frustration.

After more than 20 years of loyalty, I can confidently say: this is not the POLMED we once trusted.