Clietele Dishonest about Cover Offered by Emeregency Assistance Plan

i took a Emergency Assistance plan with Clientele at the beginning of 2016. When I took the plan the consultant told me that i would be covered for all expenses if i had to go to hospital. I signed myself and my husband up for the plan. I have been paying more than R1000 in premiums a month for 3 years now. When I called Clientele recently they told me that the plan was not a Hospital Plan or Medical Aid, and that the plan would only pay R3000 a day if i went to hospital. When i signed up for the plan i made a point to ask if the Plan would cover ALL of my hospital expenses, otherwise i would not have taken the plan. I contacted Clientele because they should refund me the premiums that i paid. I have been paying for three years for cover that i did not even have. If something had happened and i had to go to hospital i only would have found out then that i was not covered for the expenses. When i call the customer complaints they are trying to avoid the issue and they keep saying that they will get back to me. They were not honest when i signed up for the plan and they must refund the premiums that i have been paying because i only agreed to the plan because of the false information they gave me.