Discovery Medical Aid Takes Advantage of Members during Covid 19

On the 12th of July my Dad had a fever of 39 degrees the following day he went for a covid 19 test due to the labs being backlogged he only received he results on the 16th which were positive, while waiting for his results my daughter and I developed flu symptoms, after we received his results we immediately consulted a doctor as we all live together and he advised that we should all immediately be tested, panic then set in as my daughter is only 9 months old, the doctor advised that our medical aid will cover our tests, as it was part of the PMB, however when our results came back negative Discovery refused to pay for it, advising that I should have taken their risk analysis first, I understand their I procedures and processes in places as I was soooo many times reminded by the number of agents and manager I spoke to, but I was never advised of this risk analysis, they could not make me aware of the correspondence they sent advising of this analysis. I then asked if I could back date the risk analysis and do it now, as I was advised by the doctor to do the test, and I can request him to send through our file to Discovery to which they had refused, Discovery has no Empathy towards human life and has lost personal touch, it is all about declining claims and depleting savings, I am disgusted and embarrassed to have contributed towards such a corporate demon.