Bed services

I had never thought that we had to pay for our medical bill then claim after, such conditions was never explained to us in the beginning. Therefore this medical aid is a ****. They don't explain important information to you. If i am taking a medical aid that means i won't have cash to pay for my hospital admission, why am i being debited per month if my money has not use when it comes to hospital admission. i need a refund for all my paid premiums . No one should join this ****