Discovery - accepted the medical aid application only to find out 3 months later the application was canceled without informing us.

I have personally been a client with discovery health on the Classic comprehensive plan for many years and I am disgusted with what has just happened. On 14 November we app**** for a medical aid for my husband, Someone from discovery contacted him and someone from Jenis Health and said that the medical aid application was successful and that he will pay a late penalty, all fair and fine I agreed as they phoned me first. Well 3 months later I noticed not payments going off, obviously upset and thinking if anything had to happen to him he would not have been covered. Today trying to get to the bottom discovery is passing the buck, firstly telling me they are waiting for the questionnaire, then realizing they received that it was a offer letter that was not accepted and the 90 days are over now. The offer letter was send to their agents Jenis Health and not even to us so now I need to proof that the consultant did tell myself and my husband that the application was successful by providing the phone phone number, date and time the consultant contacted us then they will listen to the conversation to make sure she did say he was accepted as a member, so what they said after listening to the conversations was "unfortunately she has said " your application was successful and should there be any more documents required they will contact you within 24 hours " WELL until I made the phone call today no one has contacted us or him. So does that not mean it was successful??? Oh and her supervisor feels like I should have picked it up on my debit orders so were told to start the whole process all over again, frustrated and upset we do it only to find out that the consultant never explained all the procedures excluded on the medical aid, now you have to wonder how many people were sold medical aids and get into a situation and are then told sorry we don't cover this and that operation?? Unfortunately we have to stuck with them even tho we downgraded to a hospital plan because we were not told of all the exclusions because what is our options really and they know that. I have to also say I spoke to 3 consultants and the first was not to helpful but the second (ref ********** 721) tried helping and shed more info on the matter but in the end we were the ones that came short anyway!