DIscovery Medical ******ion

Can they be called a Medical Aid legally. They cover very little of anything. Surely they should be described as a Medical Insurance, and noted, excessive co payments required . Insurance is a grudge payment, and when Insurance makes a huge profit, which Discovery does, it feels more like ******ion. Just look at head office, the directors salaries and bonuses and it is clear why so little is covered by them. It would be fascinating to know by Medical Aid companies, running costs as a percentage of premiums collected. I wonder how many Medical Aids would be willing to declare that information.