Declining cover with no sufficient information

I took out medical cover which was activated on the 1st August 2023. October i had back problems. I consulted at Medicross clinic and was referred for MRI scan. I consulted with Dr Khan (Orthopaedic) who admitted me into hospital on the 09th October. Discovery requested a PMA from the Dr and it was sent to them on the 12th October. All my claims were declined. The hospital advised me to contact the medicaI aid and i spoke to Shyda De Long who requested additional information in order to deal with this case. I provided the information. 10th November i receive a message that all my claims have been declined as they have not received the PMA. I am now left with bills to settle (hospital, doctors, etc). I have decided to withold my monthly premium payment to Discovery until this issue is sorted. Why are my claims being declined as i have disclosed all info required and this back problem was happening for the very first time. Theolan Devar (sales consultant) adviced that there is no waiting period, cover is immediate for new illnesses. All that i disclosed have waiting periods. This is a rip-off and therefore i will cancel this cover if it does not surve the purpose.