Discover the loophole or pay more and more but receive less and less

I phoned Discovery to enquire about yet another benefit with more reasons not to cover than to cover. I asked the consultant to mail me the different plan options(never received) as we want to downgrade and asked before what date I need to do so and I was told that a downgrade can be done at any time during the year but for an upgrade we have to inform Discovery before year end. Needless to say when I phoned today to advise them of the downgrade I was told that the plan we want to switch to is not a downgrade although we as a family will be paying R1700 a month less. In my opinion that is a classic case of a downgrade but again Discovery has fooled us. According to them the plan that we are currently on covers 100% hospital benefit and the plan that we want to switch covers 200% hospital stay. Since when did the Coastal saver change from 300% cover to 100% hospital cover. Apparently I missed that one as well. We have not used any of the benefits ander even after admitting that what I told them was true after listening to the last phonecall recording they are still not willing to assist us. True South African style all I can say is Eish! At first we were allowed 6 GP consultations after our savings were depleted a year then they changed it to only Preferred provider doctors with added description to allow them not to pay for all and then last year even that was taken away and we only got online consultations. I haven't checked yet if maybe this year they've removed that from out benefit as well? We pay more and more but receive less and less. We pay R7073 a month but we only used the Savings plan last year for which we are thankful to our good Lord but something does not add up? Again..... Eish!