Discovery Medical Aid is a Disgrace: Helping Gap covers not pay out Copayments Claims

My wife went for a day procedure at Westville Hospital. She contacted Discovery beforehand and advised them that we will be paying the copayment at Westville Hospital, in cash and will claim it back from our Gap cover (Kaelo) and we don't want them to use our day-to-day savings. A Discovery employee named Sally Anne agreed to the terms. At Westville hospital reception I paid a copayment of R3 050.00. Days later I had a look at the claims on my app and discovered that Discovery had also paid the copayment from my day-to-day savings. My wife contacted Sally Anne to enquire about this, as She and my wife had a verbal agreement not to use our day-to-day savings for the copayment. she advised she will sort it out. after I couple days after getting no feedback from Sally Anne, my wife contacts her. She tells my wife she cannot do anything; Westville hospital will refund the cash to me, and that the copayment will come out from the day-to-day savings. Now, my medical day-day savings is down R3 050.00, also gap cover is not compensating me for R3 050, as Westville hospital was directed by Discovery to refund me. It looks like Discovery is helping Gap cover companies not to pay out copayments claims by paying copayments out of the patient's day-to-day savings without their consent.