Are you covered in an emergency Please check the vast amount of clauses and costs you will have unless you are admitted

As a mater of principal I am writing this review many months after the fact. It is not the amount that is the issue it is that there are so many clauses that prevent you from using the medical aid for what it was designed for 'peace of mind ". I was not feeling well passed out and smashed my head on the tiles my husband asked if he should take me to hospital a short 11 min away but because we have stairs and I am not a small lady , coupled with the fact that my mum had recently passed from a fall down some stairs I decided to play it safe , got the correct admission numbers from the medical aid and waited for the ambulance. 45 minutes later they arrived my blood pressure was normal and they assured me I had not had a stroke so I thought there was no need to go to hospital. Because I did not go to hospital I had to pay the ambulance . So now I ask what is the point , if someone looks like they are having a stroke or I pass out again or any other emergency where I felt secure in the fact that for 18 years I have paid premium rate (R8900) for myself and two kids to call an ambulance in an emergency I now have to be sure I want the ambulance bill and all the extra costs of being admitted to casualty but not to the ward as happened when I was on a drip for about 5 hours but because the hospital did not have a bed I got charged as it was "not in hospital" I look at the care my dad and aunt got in a government hospital and think its time to change if I am going to be "not using my medical aid in an emergency' I refused to pay asked to speak to a manager asked to go into the office but they could have not been more uncaring and since people are working from home half the time they do not even hear you and really do not care. Check your Discovery medical aid for how many ways they get out of paying . I used to be with Discovery Insure as well same thing , now I pay more but get service and decent coverage . Anyhow they will refer to a clause and say " this is why we are correct '