Bankmed failed me

Yes I might have misunderstood the term Pmb and I app**** for cover not suitable for me. My question to you is why would you accept an application of a,cover for people with chronic ceased from someone who stated they don't have any of those deases..I even added a dependent on the cover whom doesn't have any chronic illness.. Upon receiving my application didn't it seem odd to that some without any known illness would apply for such cover for over a year I have been paying for a cover that doesn't benefit me.first time my claim was not paid I was told because I didn't load my GP as my doctor.why would I keep a cover that requires me to pay every time I see a doctor or specialist while money is deducted fro my payslip.. Right now I need my medical aid which can't even help me but I'm paying every month.. I'm so disappointed in bank med. My question is why did you accept my application for a cover you new won't benefit me??or is it how bankmed does business?