Discovery Health doesn't care

I have had discovery health comprehensive uninterrupted from 2005 to 2025 with a break in my medical aid for 90 days because i lost my job. So i had no medical aid May 2025 - July 2025. I started my medical aid again from August 2025. I logged a dispute and have a dispute reference no. But Thiloshini Chetty was not able to explain to me the below concerns i have. 1. i cant somewhat understand the 90 days waiting period. 2. I have a chronic illness but i have a 12 month waiting period to see my specialist and get my chronic medication. I need someone competent to justify this to me. 3. why if i am waiting 12 months do i have to pay discovery R12k I am hoping the CXO's below can resolve this:

Joy Malete CA(SA), MPhil CS (GIBS), CIMA - Chief Financial Officer at Discovery Health Medical Scheme| SAICA Top 35 under 35, 2020

Selwyn Kahlberg - Chief Risk and Operations Officer at Discovery Health Medical Scheme

Nonku Pitje - CEO: Discovery Corporate & Employee Benefits

Ronald Whelan - CEO Discovery Health