paying my saveing back

i have been a very long time with bonitas medical aid i had to change my medical aid cover due to financial reasons , fisrt t5hey have asked me to give them my budget because they need to make a desicion if i may change to a lower plan forgeting i am the one paying it they eventualy agree to change my plan afetr i have trheaten to cancelled my policy with them , now they dont want to pay mu saveing back and they adviseing me that i must wait for 3 months to get my saveing back and that is my saveing of last year i did not use <br> i have not seen of those rules in they terms and conditions , i am not happy with they way they have treated me as a customer