Clientele hospital cash back a rip-off

I have a clientele hospital cash back plan for almost 12 years, payments up to date. I recently got admitted and stayed in hospital for 10 days following my operation, 3 of which I was in ICU then the remaining 7 days I was in step down facility( hospital measures to reduce number of people in their wards), my Dr and physiothe****** were still seeing me daily. Before I got discharged I called Clientele to enquire about my funds and the claim process, that's where I got the biggest shock of my life.

1. According to clientele I am only entitled to 1 day payment #Myday3 in hospital, as for the rest of my hospital days in step down it's for me and my medical aid, they don't consider that as hospitalization. 2. I also got the news that as my premiums where increasing annually my benefits were still as they were when I took out the policy. I got worried and called again the following day just to make sure it was not a misunderstanding but that day the consultant who helped gave me different information and said as premiums increase my benefits should increase too. Which was not the case with Clientele. 3. A week later I did submit my claim and guess what CLIENTELE ONLY PAID ME R461, and I am paying them more than that on the monthly basis since premiums went up. The R460 is what I was supposed to get when I initially took out the policy 11 years ago. Through out the years I have been paying CLIENTELE for nothing. 4. I did call and enquire but I was told it is unfortunate that I took out the old policy but no one justifies why am I paying same or more amount than those on new policy.