Discovery Medical Aid

I am not happy with the services of Discovery on top the call centre was unhelpful. Shouting at me. My mom joined Discovery Medical Aid on the 1st on July 2015. The broker we use never explained the terms and conditions. We found out certain things as the time went by. On the 09th of November 2015 my mom was admitted and discharged around the 18th of November 2015 and Discovery hasn't paid the hospital and the doctors. What's worse now on the 10th of December my mom had an emergency. Took her to the hospital and discovery authorised. Now today the 11th Discovery don't want to authorise and the hospital ended up kicking my out due to medical aid. Phoned Discovery aand spoke to Nolu who was very rude and defensive when it comes to Discovery. She adviced that Discovery has cancelled the membership without notifying anyone. I just feel we had the right to know which they failed to do so. Their service is bad and they said they will refund us all the premiums. But what about my mom who got kicked out because of them. Now she needs to go to a public hospital...