Discovery Medial Aid refuses to pay Hospital Bills.

The medical scheme refuses to pay for my child's hospital stay because according to them the admission was not an emergency. and the hospital (Medi-Clinic Nelspruit) is not part of the Delta Network.

1. I took my child to a Pediatrician who immediately deemed it very important to write a letter of admission to a nearby hospital. How am I supposed to tell the DR that it's not an emergency? 2. There are not Delta Network hospitals in Nelspruit, the whole town, nearest Delta Hospital is in Witbank which is about 2hrs or more drive. 3. Why am I now supposed to be liable for Hospital bills whilst pay a lot of money to the scheme monthly without fail.