No flexibility under exceptional circumstances

I am the main member of Bonitas Medical Scheme. Membership number ********** 1181. Authorising ref number BON ********** 6. My husband urgently needs a corrective op on his ankle due to falling off a ladder at work. However he works in Nigeria and there is no workman's compensation for expats In Nigeria. When we consulted the specialist who has to perform the surgery, we were honest about how the accident happened and he duly allocated the procedure as Injury on Duty with the appropriate codes. Bonitas has subsequently declined to pay for ANYTHING due to the codes stating it as an IOD. After explaining numerous times that this happened out of the country they will not budge as the codes indicate IOD and the rules don't allow any exception. They advised that the specialist should change the codes but of course he cant do that without his integrity being questioned! After many phone calls and letters of motivation, I was again informed today that they can't do anything about it because of the codes and we are therefore completely responsible for all costs involved which is overwhelming.