Discovery breach of trust

I have been paying discovery every month for over 20 years for classic comprehensive, and now that I have been diagnosed with sleep apnea they refuse to pay 17k for the machine I need. They have received over two MILLION rand from me, and I am told I have overspent on my "savings". Needless to say, this unit is to prevent me from having a heart attack, which if happens Discovery tell me they will meet the hospital costs?? This is a *******, and I have cancelled my subscription with Discovery. Rather keep and invest the 8.5k per month, at least I will have something to pay towards my medical bills