While every South African child has a constitutional right to a basic education, there are still many challenges that prevent equal access for all, especially in tertiary and higher education. Education protection policies are supposed to grow in line with the costs of education each year to cover the actual costs of education. We are in conversation with Certified Financial planner, Gerald Mwandiambira as we unpack  educational policies, how they work and whether it's worth investing in one.but most importantly what do you do if you feel you have been hard done by an insurer.