After long thinking and different considerations we decided to cancel our medical insurance and right after we did so, our financial situation improved. The insurance system in South Africa is more about collecting money from clients than real coverage aid. The policies of the insurance tend to change and become worth and worth on client. After we called the last time questening insurance agent on some of the specifics of the coverage, we realized that we will actually have to pay ourselves for our needs and then, after some time insurance company will see if the procedure that I payed for was really nessesary or I could servive without it? If I could servive without some procedures, these procedures will not be covered. After these explanations the only right desision was to cansel the insurance.