Wednesday, December 3, 2025

THE BIGGEST GAP OF ALL IS IN ZEST LIFE'S MEDICAL EXPENSES GAP COVER

 Dear Sick People

Craig Swain Zestlife's
Contact Centre Manager

When I took a Zestlife Medical Gap Cover insurance policy to cover the shortfall in my medical aid payments I assumed this would cover, at the very least what my Medical Aid did not pay if I was hospitalized. As this is one of the most expensive aspects of any serious illness I automatically assumed this was covered in the 24 page Policy Document because of what was in the letter I received from Noleen Bell congratulating me on becoming a Gap Cover policy holder. The first paragraph of her letter told me I was now covered for "The most frequent in-hospital and approximately 50 out-of-hospital medical expenses shortfalls that may not be covered in full by my medical aid.. This is the 'gap' your Gap cover  policy is designed  to cover." 
       In the third paragraph I was lulled into a further sense of security with this: "The policy specifically (note this word) covers medical expenses shortfalls that are not covered in full by your medical aid." I believe that most people would definitely think that this means that the shortfall of any medical aid payment would be covered.
       In the second last paragraph I was told "To ensure we are continuously covering the most frequent and significant medical expenses shortfalls your policy benefits, cover limits terms, conditions and premium will be revised and be effective on 1 January each
year."
        Well if a short payment of the actual hospital bill by your medical aid is not one of the "most frequent and significant medical expense shortfalls" then I don't know what is.
        I had had the policy for three years when I was shocked to learn that it did not cover the shortfall of R7 369 between what my medical aid paid for my stay in the Tokai Melomed Hospital and the actual hospital bill. I got the following from Zestlife
when I tried to claim this amount.
        "Please note that in accordance with the terms and conditions of your policy hospitals and day to day clinic fees, including theater charges and related costs are specifically (there is that word again) excluded from cover."
         It is only on Page 7 of the Policy Document that I was given was the vitally important  information that I would not be paid for "Hospital fees including theater charges, ward charges or any other hospital costs."
         Who in their right mind would take a gap cover policy that doesn't pay the outstanding amount of their hospital bill when their medical aid does not cover it in full? Unfortunately that impressive letter from Noleen Bell gave me a completely false impression of what Zestlife actually covers.
           As it turned out it was like being told when your car is under guarantee and you put in for repairs that the manufacturer will only cover the wheels and you have to foot the bill for everything else.
            I finished my email to Craig Swain with this. So the last thing you need to find out when you are sick is that the shortfall
between what your Medical Aid paid and the Hospital bill is the Biggest Gap in your Gap Cover medical insurance policy.                            Get well soon all you sick people and I                                                   hope none of you have the same                                                          Gap Cover experience as I did.
                                                     Regards, Jon
nn

Wednesday, September 3, 2025

DYING OF OLD AGE IS NOT MUCH FUN

   Dying of old age is not much fun unless you are lucky enough to have a carer like my Andi. Mind you I can’t claim to be an expert on dying because so far I have never done it any other way.

            But when you are into your nineties as I am you know for certain that you are very much living on the edge. People say things to you like “Are you still driving?” and if you say “Yes,” you can imagine them thinking, Heaven help the rest of us on the roads, when I’m far less likely to cause an accident that the drunk drivers, the speed merchants and the many others you see driving dangerously on our roads.                                     

            That stabbing pain in my one foot. Is that what’s going to finally get me I wonder. No, false alarm, it’s gone away as mysteriously as it came. It’s just Death playing one of it’s preliminary games with me before the final to get me acclimatised to the Big Idea.  I have never been any kind of gymnast in my life so long drops are not my forte.

But I can’t help wondering what it will be like. Will my body go into sudden excruciating spasms or will I just fade away to sleep peacefully forever.

            At a few months short of 92 I can’t complain about my old age because it has really been very kind to me and I haven’t yet got any serious ailments unless you count a memory that forgets what I want to say halfway through the last sentence.

          To get back to Andi, if I reach a CENTURY much of the credit will be owed to her for looking after me so well. To say she is a carer in a million would be a gross under statement. Thanks Andionette Domel for doing such a superb job keeping the Old Boy going to give him every chance of reaching his CENTURY.

         Watch out Death you have some real competition here and Andi is certainly no push over.                                                                                                 




Friday, August 22, 2025

BELINDA 'BOO' THE SERIAL RAPIST SURVIVOR


My wife Gayle and I were living in Johannesburg when our daughter Belinda Abbott attended St Teresa’s School there. It was more commonly known as Rosebank Convent and she was in her late teens, fresh out of the convent in 1998, when we organised for her to go to the Natal Technikon in Durban because it had such a good reputation for teaching Clothing Design.

            This was something Belinda had always wanted to do from when she was a little girl. And in her last school year she even designed and made her own dress for the matric dance.

            We bought a two bedroomed flat for her not far from the Tech in Durban with the idea that she would get a companion to share it with her.  But when she initially got there she hadn’t had time to find somebody when it happened.

            Belinda was woken in the middle of the night by an Indian in his underpants standing next to her bed. He told her he had come to help her. She immediately started spraying him with the mace spray I had given her for just such an occasion. It was a particularly large one which enabled her to keep spraying him as he ran through the flat and out of the window he had come in through.

            When I went down to Durban to comfort her it was clear that the intruder had spent some time in the first floor flat before he had come into Belinda’s bedroom. Like a wild animal marking its territory he had left his calling card under quite few of the cushions in the lounge.

            At the time Belinda had no way of knowing that she had escaped unscathed from a physical point of view from what turned out to be possibly South Africa’s most prolific serial rapist. But the mental scars of such a horrendous experience will be with her for the rest of her life.

            “I didn’t sleep for two years after that,” she told me. But this did not stop her excelling at her studies during her three year course at the Tech. Shortly after this terrifying experience one of the local papers carried a picture of a boyish looking Andrew Mohammed, who had escaped from the CR Swart police cells there while waiting to appear at an identity parade. And when I showed Belinda his picture in the paper she identified him as the man who had been in her flat.

            In spite of her terrifying experience she still completed her National Diploma in Clothing Design cum laude top of the class of about 40 students at the Tech with 11 distinctions. She was also a finalist in the Du Pont Fashion Awards in which there were 79 entries from two competing Technikons. And now 30 years later she runs her own successful fashion house Once Was that she founded in Melbourne, Australia. It is hardly surprising that the last place that she wanted to built her career was in South Africa where she was born.

            The 30 year old Mahomed said at one stage he “just walked out” of the Police station in Durban. The cops were clearly not paying attention to one of their most notorious sex offenders. He was facing a variety of sex crimes and armed robbery. Within a few days he continued to terrorise young white women in Pretoria half the country away. He also stole cars from some of them, which he sold through a contact.                                                   

            It took the Pretoria police to do what the ones in Durban had failed so dismally to do. In the Commercial Crimes Court there he was sentenced to an effective 177 years in jail. This meant his sentence was only for part of what he had done because, as he got such a huge jail term there it was considered pointless to try him again for his similar crime spree in the Durban area.  He held up some of his victims with a gun before raping or sexually assaulting them. The only plus about Belinda’s experience was that when he got into her flat he had evidently not yet been able to obtain a gun.

            He was sentenced after he pleaded guilty to 23 charges of rape, attempted rape, indecent assault, armed robbery and the illegal possession of a fire arm. All but two of his victims were aged between 18 and 30. 

            He even forced some of his victims to have oral sex with him.

            The Police forensic psychologist Captain Lynne Evans told the court that because of the number of cases and the physical violence involved there was a possibility he would have ended up murdering somebody if he had not been caught.

            Pleading for a second chance Mahomed told the court, “I have a wife and child to support and if my wife knew I was a serial rapist she would have divorced me long ago.” If his wife hadn’t  known she must have been in another world.

            Belinda had a friend move into the flat shortly after the incident so she was no longer all on her own there.

            A former Northern Transvaal gymnast was just 19 when she was severely injured when she jumped out of a two story window after being raped by Mohamed. She subsequent successfully claimed damages of R5 million from the State for the negligence of the Police in letting Mohamed escape after he was first arrested in Durban.

            The humpty dumpty legal system is such that Mahomed's sentence was changed to an "indefinate term of imprisonment" which meant he had to return to court to be "resentenced" every 15 years. This has already been done once with one side labeling him a"manipulative psychopath" and his defence making the ridiculous claim that he had a "clean prison record" and should be released. But he did not succeed in getting his freedom so both sides will be repeating the arguments when the current 15 period comes to an end.

            It's deplorable the way the State is treating Mahomed as though he was wronged when he devastated the lives of so many women.                  

                                                                    

Thursday, June 19, 2025

IS DONALD THE WORLD'S BIGGEST CHUMP?

 Dear Sad, Misguided World,

            Donald is rocking the whole world with a host of US tariffs that change almost daily while the US Congress, which I always thought was supposed to be running that country, remains mum. He loudly condemns dictatorships in other countries like Iran, while nobody in his own USA has the guts to speak up publicly and say that is exactly what this Chump is. 

“Up You” to the rest of the World!!! 

            He should have been forced to retire from politics ages ago. How many top companies still have a doddering old 79 year old at the helm.  He is clearly in his second childhood openly playing ‘Guess what I’m going to do next’ with the world, while we are all expected to hold our breath and hope it will not affect too many lives.

            Businesses around the World that have thrived on exports to the USA now don’t know whether they will ever be able to get back to ‘business as usual’ there or whether they will be forced into bankruptcy. Sorry, the future is now a lot brighter for them because Chump has just reduced the 45% tariffs that would have put them out of business, but they can’t make any definite plans because they don’t know what figure the President of the Greatest Market in the World will pull out of his hat next.

           Any kind of business has always been a bit of a lottery but this Chump has made backing a horse a much more sure bet.

            But the scariest thing of all is that Donald Chump is so full of himself that he could easily drag the USA (population 340 million) into another World (population 8 billion)War with atomic bombs flying all over the place.

           Was the way Hitler behaved before he thought his country could take on the world and win,   any different from what the World’s Biggest Chump is dong now now??????

            He has the World on tender hooks because Donald is such a Chump that even he doesn’t know what he will do next.

Regards, 
Jon, hoping that the USA will come to its senses before it is too late for all of us.