After 8 years of paying-1st claim refuted

I have been paying this hospital plan for the past 8 years and never had a claim. I was hospitalized for an emergency and now that I need to claim they are refusing to pay out!! Apparently you have to notify them within 24 hours that you are admitted to hospital. When you are admitted for an emergency and receiving blood transfusions, an insurance policy is the last thing on your mind. Also all the details are at home so the claim can only happen once you are discharged. This is the most ********* way of conducting business and a eye opener hopefully to anyone wanting to consider this type of insurance - PLEASE BE CAREFUL! They will take 8 years worth of premiums at R 280.00 per month and then find some small print to refuse the claim. Rather pay your money into a savings account where you know you will have the full benefit with no small print refusals. So disgusted, feel so **********!