Discovery has lost its way

I went to hospital and was put into a emergency PMB situation. I was sedated and treated then had to be kept overnight in hospital.

Discovery didn't cover all my expenses even though they must when its an emergency regardless of the % cover.

I then receive an email from Discovery to say the Hospital bill was paid in full only to receive and email from the hospital to say that Discovery has reversed 50% of the payment and now its due for my account.

I pay R5k a month to be with Discovery but am now in for R12k in invoices which should be covered.

I have this happen before when my wife was in hospital. I then had to fight and was eventually paid via PMB.

Why is it up to the client to have to fight for medical cover when we pay every month for that right.

The ethics at Discovery have dropped over the years.

Strop trying to be a bank and focus on what you started out doing in the first place.