Clientele H.E.L.P is absolutely **** and totally misleading

The Clientele H.E.L.P (hospital plan) is absolutely ****, when I was called to take the policy I was totally mislead in to believing that the plan would pay for my dads hospital bills ( which was total lies), the day that my dad got admitted into hospital I called to inform them of what’s happening, that the time that the customer service representative tells me that they don’t pay the hospital or pay me to pay the hospital but rather just give me R1500 per a day that my dad is in hospital which sounds but since my dad had a mid heart attack the private hospital was charging R30 000 for UCI, which means that I had to the dad to a public hospital (ghandis), the good thing is that clientele covers ghandis hospital, so I put through a claim like normal only to receive a reply two weeks later say “HI .......since your dad has diabetes we can not pay out the money”, which was strange because my dad had signs of a mid heart attack and Uramic gastritis..........whole speaking to the consultant that was dealing with the claim he had no patience and refuse to read the points that was pointing out........please guys listen to me they are absolute ****, there is no where on earth that a organization can treat a consumer like that