Confused and disappointed - why insure if you can't meet my necessary needs?!

I actually don't know where to start, but all of this starts in 2019. In 2019, I had blurred vision, headaches and a poking sense of pain in my left eye. I went to see an optometrist (@Specsavers) around May 2019. Although they gave me my spectacles, they advised I would have to see a specialist as they were not in a position to advise what was wrong. Okay, as per advice, I went and saw a specialist, who ran tests, and also indicated that they have no explanation for the pains, but the headache and blurred vision (which is the norm for me, since I started using glasses / specs in the year 2004) is as a result of a cataract in my left eye. Specialist submitted quote to Affinity Health as my insurer for a day surgery, which will to some extent result in the removal of the cataract and also eliminate the need for glasses for everyday activities, and perhaps limit the use to just reading. So after a valid motivation by the specialist, the claim was rejected and the reasons were not furnished to me. Bare in mind that this surgery was not cosmetic, I needed it. And if I was under a waiting period, I was to be advised, so I can atleast have an idea as to when or whether I will be allowed to do the surgery in future. Now fast forward to 2021. 21 April 2021, I went to visit SpecSavers again, and one of the main reasons was because I was yet again experiencing blurred vision and headaches, and my spectacles were just not doing it anymore, in that I felt I could no longer see through them. Fine, Specsavers undertook the necessary tests, and prescribed the glasses. Again, optometrist advises that I need to see a specialist as there is something very wrong with my left eye. Now SpecSavers claimed for the glasses on 7 May 2021 if I am not mistaken, at a time when my 24 months span benefits were now available. Awu, SpecSavers then informs me that the claim was unsuccessful and they have no reason why as it shows I have the benefits. I call Affinity Health on atleast 10 occassions, and I am told they will not pay as, eventhough the claim was furnished at a time when the benefits were available, the visit was 10 days prior to May 2021. So according to them, I must pay cash for these glasses, and if I intend on using the benefits, run new tests and get new glasses at their cost and with the benefits I have existing. Which doesn't make sense to me. Why own two set of glasses? And why pay cash for the other glasses, because May 2021 is the year I was due for a new pair of glasses, and also the benefits are available to cover the costs incurred.

Now I want someone to tell me of a better way forward. We not talking about me visiting SpecSavers last year, or even very early this year, we talking about me experiencing the worst from my eyes, and running to see an optometrist 10 days before my benefits. Lest forget that the actual claim was furnished after the benefits became available. I can confirm this because the lady at SpecSavers called prior to initiating the claim and told me I had benefits available for the glasses, and that all I will have to do is oay an extra R800 cash as I had included anti - glares, which assist with light.

So what's really going to happen to the benefits if they won't pay for the glasses, and I am expected to pay cash. I do feel this is unreasonable, especially after they rejected my surgery claim.