False advertising - misleading

I recently had a cesarean and my gynae charged substantially more than my medical scheme tariff. I thought I was cover though as my gap cover would pay up to a max of 5 times my medical scheme tariff. I was wrong! Though I must admit Ambledown were very quick in making the claim payment I was however surprised that it was not the amount I thought I was going to get. I was under the impression that Ambledown would payout 5 times my medical scheme rate as is specified on their website http://www.ambledown.co.za/gap-products/gap-products.html. Stating : "Gap Cover 100 provides for charges... Limited to 5 times the medical scheme tariff " my understanding of this is that eg. Your medical scheme rate is R100, Ambledown will pay a max of 5 x 100 =R500. This is apparently not the case, turns out that they pay to a max of 5 times medical scheme tariff less the medical scheme tariff (definitely not the wording used on the website) So basically Ambledown only pay you a max of 4 times (400%} MS tariff and not 5 times. Please Ambledown stop misleading us consumers. Here I was expecting a payout of 500% instead only 400%. Thanks