Applying useless waiting period

I have been with discovery for 5 years now, never being admitted to hospital in fact they not running on a loss being their client . Was so amazed when I wanted to add my on a medical aid and being told of the terms and conditions cause my wife is 2 months pregnant . I was under a lot of debts that's why i couldn't add her before, so decided I must just add now they telling me they can't cover her for her pregnancy but I must pay the full premium every month, actually they are running a business that must acquire profit , stop lying to people that you running NGO. Very disturbed serious