Cancellation Flexicare: Step-by-Step Guide

What is Flexicare

Overview

Flexicare is a subscription-based health and wellness product marketed in South Africa that provides essential primary-care benefits such as GP consults, basic radiology/pathology, some medicines, dental and eye benefits depending on the plan.

The product is administered by Discovery Health and underwritten by Auto&General, positioned as an affordable alternative for primary care and limited ancillary benefits.

Who it is for

Flexicare is aimed at individuals seeking lower-cost, limited-cover primary healthcare and wellness benefits without full medical scheme membership.

Plans vary by level (Core / Plus) and include differing allowances for medicines, dental and optical benefits.

How to cancel Flexicare

Primary cancellation channels

• Submit a written cancellation request via email to the administrator (use the account or contact email provided when you signed up).
• Call the Flexicare customer service number provided when you joined to request cancellation and obtain a reference number.
• If you signed up through an intermediary (CoverCubed or other broker), contact that intermediary to confirm their cancellation process.

Step-by-step cancellation checklist

• Gather membership details: principal member name, policy number, ID number and payment method.
• Send a clear written cancellation request stating the effective cancellation date and request written confirmation.
• Keep evidence: save emails, take screenshots of confirmations, note call reference numbers and the name of the agent.
• Monitor your bank/credit card for any further debits after the requested cancellation date.
• If debits continue, escalate to your bank to dispute the charge and to Discovery/Flexicare with your evidence.

What happens when you cancel

Access to cover

When your cancellation is processed, your entitlement to plan benefits ends on the confirmed cancellation date.

Any claims submitted after the cancellation effective date are likely to be rejected unless covered by a clearly stated run-off or short-tail clause in your terms.

Renewal, data and administration

Auto-renewal and future debits should stop after cancellation is processed; however, users report instances of continued billing when cancellation confirmations were provided.

Keep a copy of cancellation confirmation and monitor billing statements for at least one to two months to ensure debits have ceased.

Will I get a refund?

Official policy status

No publicly available Flexicare documentation was found that states a formal refund policy (for example a 14‑day cooling-off period or explicit no-refund rule) for the South African product.

Because there is no clear public refund statement, entitlement to any refund may depend on your contract terms and the date of cancellation versus the billing period.

Practical exceptions and reported experiences

• Customer reports indicate refunds can be difficult after cancellation; at least one customer reported continued debits and had to dispute charges with their bank. See reported reviews for details: Trustpilot - Flexicare reviews.
• If you believe you are due a refund, gather proof of cancellation and request the refund in writing; if unsuccessful, escalate to your bank and to a regulator if needed.

Flexicare plans and pricing

Pricing summary

The product has multiple published price points. The figures below reflect public rates and example online quotes captured for Flexicare Core and Flexicare Plus.

All prices are monthly and in South African rand (ZAR). These are example or starting prices and may vary by platform, date and underwriting.

Price table

Your consumer rights in South Africa

Statutory rights overview

There is no public Flexicare statement that provides a specific cooling-off period or refund guarantee for the product on the provider’s public pages.

Consumers in South Africa do have rights under general consumer protection laws that may apply to short-term insurance or healthcare subscription products.

Practical steps if rights are breached

• Request written reasons from the provider if a refund or cancellation is refused.
• If unresolved, lodge a complaint with the insurer’s internal disputes office and keep evidence of all communications.
• Escalate to the Ombudsman for Short-Term Insurance or the National Consumer Commission where appropriate.

Customer experiences

Positive feedback

Some users report that Flexicare is affordable and straightforward for primary-care needs, with claims processes described as simple and transparent in some accounts.

Positive notes reference included dental and optical benefits on higher-tier plans and useful GP access for routine care.

Negative feedback

• Multiple Trustpilot reviews (1-star) report issues including continued billing after cancellation despite written confirmation, and difficulties obtaining refunds. See Trustpilot - Flexicare reviews.
• Other complaints include IT/claims processing failures, unhelpful call-centre interactions, and expectations of cover not being met for certain services.

Documentation checklist

Before you cancel

• Policy or membership number and principal member ID.
• Copy of the original plan document or welcome email showing terms and start date.
• Payment proof showing the last debit date and method (bank statement or card statement).

When you cancel

• Written cancellation request (email or letter) with requested effective date and member details.
• Confirmation of cancellation from the provider (save email or screenshot).
• Record of any call reference numbers and names of staff you spoke to.

Common mistakes

Assuming cancellation is immediate

Many members assume cancellation takes effect instantly; in practice, processing can take days and debits may occur during that window.

Always request a confirmed effective date and monitor bank statements for debits after that date.

Not keeping proof

Not saving written confirmation or call details is a frequent mistake that makes disputes harder to resolve.

Always keep copies of emails, screenshots and bank statements to support any refund or dispute claim.

Comparative recap

At-a-glance comparison

This table summarises the main differences between Core and Plus plans and shows typical price points gathered from public quotes.

Use this to check whether your plan aligns with your expected benefits before cancelling.

After cancelling

Monitor and follow up

Check bank and card statements for any continued debits for 1 - 2 months after the cancellation effective date.

If debits continue, immediately contact the provider with your cancellation proof and request reversal in writing.

Escalation and support

• If the provider does not resolve billing errors, contact your bank to dispute unauthorised debits.
• Document all interactions. For patterns of unresolved complaints, consider lodging a formal complaint with relevant regulators and sharing your experience on review platforms.
• Reported customer complaints are visible on review sites: Trustpilot - Flexicare reviews.

Address

Administrator head office

Discovery Health (Pty) Ltd (administrator of Flexicare)

Discovery Place, 1 Discovery Place, Sandton, Johannesburg, 2196, South Africa

Contact notes

Formal cancellation requests have commonly been sent via email and by phone to the administrator; keep written records of any such communications.

If you need to escalate, use the address above for physical correspondence and retain proof of posting or delivery.