Medscheme dont know What a PMB is. 
Every time I phone the call centre I wait for hours . First the agents do not know their procedures and when it comes to claims they don't pay because they clearly do not have a clue of what a PMB is . Or the play stupid. When claims gets questioned via their query system (e mail) they just do not attend to the query and you end up phoning the call centre and it is a disaster!!! They take your details and say please hang on the line - it then takes up to 15 min and no one gets back to you. Spoke to 2 agents Basana and Bulelwa. Oh and don't think they will phone back no no - it is your cell phone account that that goes sky hi and nothing gets done!!!! 