Bad Service

On the 4th of November I was admitted in Hospital and I was there for 3 days, on my first day a consultant called me and told me they were suppose to treat me at casualty and send me home. Now the hospital is demanding from me as Discovery decline the claim. I called them today wanting to know what was the reason for them to decline the claim. I was told the hospital didn't give them enough information for them to approve the claim. The consultant told me to contact the hospital for them to give me the information they require and they can review the claim. My question was what is the purpose of me paying every month only to cover myself when I am in hospital.? Because if this is how we are going to be treated then I must cancel the medical aid. I never choose to be admitted, for the fact that I woke up at 3am to go to the hospital because I was ill. If the hospital decides to admit me, how should I refuse a doctors medical advise as I am not a doctor. Discovery was supposed to contact the hospital there and then and sort it out with the hospital. I pay every month so that I can be covered should I fall ill. Not for this nonsense.