Bonitas are pathetic

Uterly pathetic i pay half of my salary every mounth expecting i am covered. Me and my wife had to do a very important test on our unborn baby (a live or death test). Then 3 month's later find out i now have outstanding debts of R9641 when i call them tofind out what is going on they say sorry your day to day benefits are used out sure they payed for the cheep first test but then when the big bills come they get forwarded to me i am sick of it if i could switch wile my wife is pregnant i would but now i am sackeld down by bonitas paying half of my salary for nothing.