Classic Smart plan

I just recently joined a company and its compulsory to have a medical aid, You have to take discovery unless you can prove otherwise that you are a dependant on other medical aid. I spoke to an advisor from discovery who explained the products POORELY and when i asked about the classic smart she just said its a good plan i just have to pay a R50 co payment thats the only difference to the discovery key Care Plus. I was involved in a car accident and thats when you think you medical aid will come handy but i realized worse things it only supported 1 hospital near me, there nearest GP thats supported on the plan is about 10KM away i had to go to goverment hospital while i had medical aid, i had to go to a doctor and pay out of my pocket as my back had a spasm and i couldnt drive. i tried changing the plan on discovery to upgrade and i was told i have to wait for year-end changes and since the nearest GP is less than 50KM away theres nopthing they can do. I suffered while im paying alot of money for medical aid . Discovery is expensive while their plans are too selective ontop of that i am told to wait for year end changes but they dont stop accepting my money until year end, I hate discovery please before joining it rather do your own research and compare whats on the market hopefully its not compulsory to take discovery, TRUST ME YOU WILL SLEEP AT GOVERMENT HOSPITAL WHILE YOU HAVE MEDICAL AID. Only 1 hospital just imagine near me, ill rather have my fiance put me as a dependent on her medical aid plan we will be paying less than what i am paying right now, just imagine for the two of us is less on her medical aid than it is on discovery as the only member and we can go to any private hospital the funds may be less on hospital stay but its worth it. IF YOUR UP FOR WORST MISTAKE TAKE THEIR CLASSIC SMART PLAN AND YOULL LEARN HOW IT FEELS LIKE TO NOT HAVE A MEDICAL AID WHILE YOUR PAYING ONE.