Complete mishandling of membership

My husband&I app**** for membership to be switched to private payment.We submitted all the requested information &documentation &were informed it was being processed.2 months later we had an emergency with our 1year old daughter which required hospitalisation &emergency op, under the impression we were covered.A few days later the hospital calls to tell us that the claims were rejected as our membership was terminated.<br> We contact Discovery &are told membership was terminated &not switched to private payment as had been requested. to be reinstated we have to pay 2months premiums upfront &fill in more documentation, after which the claims will go through.We pay.We are still not reinstated.<br> We are asked to submit the same information 3more times.Then we are told this morning that we have to apply for a brand new membership, we will not be reinstated or covered for the emergency as the surgeon cannot give 100% verification that there will be no long term side effects due to the nature of the operation, although at the follow up there was no indication of longterm side effects &the chance of them arising now are slim.<br> This would not have been an issue had we been covered as requested