WHATS THE USE OF HAVING MEDICAL AID IF YOU WILL BE IN DEBT BECAUSE OF THEM? SO DISSAPPOINTED

My daughter was admitted on 20.2.2024 until 24.2.2024at hospital and when the claims were submitted, they got rejected due to it does not fall under pmb. They say it was not an emergency and not life threatening I then asked what is an emergency and life threating situation as my daughter was not breathing properly. She was breathing and then stopped and she will then continue breathing, is that not life threating as she could have lost her life? Now I have a R65 000 bill to settle, I called their call center and the agents just give nothing concrete and the last agent I spoke to today just dropped the call on me. How do you trust people who Treat their customers like that? If it wasn't g For my employer forcing us to take bankmed I will leave as in yesterday.