Bad business ethics at discovery medical aid

i was in ****et, Thailand from 9th- 18th July. myself and my friend (both discovery clients) had fallen extremely ill during the course of the first week and required medical treatment. the hotel called a doctor who then treated me. i had logged a claim with discovery to which i was advised about the $150 excess which was fine since i was aware of it.

two days later my friend advised me that discovery notified her that they were able to waive the excess on her claim and i should check for myself was well. upon checking with discovery i was told that they would check and update me. they then contacted my friend and said that they can no longer assist her because a plan was being made for her and she told all her friends.

which brings me here. i would understand if there was a qualifying criteria which allowed for her excess to be waived and not mine however they said a "plan was being made" which leads me to feel as if i had been personally prejudiced against by discovery. furthermore she was for lack of a better expression "punished" for notifying me that her excess was being waived as they stated she told her friends.

i am absolutely disgusted with the business ethics of discovery medical aid. i was with the scheme since i was born and decided to continue with with them when i started working out of my own volition due to their great customer service. however at this point i am left pondering if i am paying my premium now to receive the tail end of bad business ethics.

please review your excess models and criteria for the actions that are executed in your claims processes,