I have been paying for Private medical insurance for years. Every year, the rates go up with less cover than when I joined. Now, when I need an eye condition covered, they will not pay. I discovered that many eye conditions are now no longer covered. What is happening? As soon as payouts for common ailments become too expensive, the funds drop this cover. I am angry. I feel that I have wasted my money. What do you think? Has your fund surprised you in any way-good or bad?