Disgusted with discovery and their broker

Terrible experience with discovery medical aid, as being a first time member and going through this painful, hurtful and disgusting experience. I have a broker which discovery sent out to my residence Because of me being a first time medical aid user, I wanted someone to explain me the medical aid and to help me with the process. I made an appointment with Mr Hafzal Moosa,who is a broker for discovery. He has been doing my fiancé's medical aid as well and investments aswell as policies. He came home and filled the form around end of January 2018. He did it via his laptop and I wasn't sent a application form. I didn't want to look at it or have any further questions regarding the form because I know his coming home and he will assist. He told me about keycare plus and he told me there was questions he needed to fill out for me on his laptop. So he asked me for my full name , my occupation. Date of birth, id no, which bank will be paying through, height, weight, gender, if I have any chronic disease, which was no, have I been hospitalized in the last 12 months which was no. Then he asked if I'm aware of being diagnosed by my doctor in the future for any kind of sickness,which I said no. He then told me I can sign after he processes the documents. My fiancé was there , his mum n dad also was present at the time. He told me now you just sign on the pad with a pen thing and then you good to go. 1 March you will be able to use your medical aid, so I asked why is there no waiting period and he told me no. I'm first time and I'm on keycare. So I understood. He told me that there is no gap cover and that how the medical aid work, networks and life hospitals. Then he helped out with my fiancés investment at that day. He left and so happened after in March around the 6th I had the flu and went to my doctor and he treated me but I still felt sick on the 10th Because I had a certain amount of antibiotics only. Saturday I went back to my doctor and he gave me a higher antibiotic dosage, and so that night I felt sick with the flu and couldn't manage,my fever was extremely high. My chest was coughing and my heart beat started racing. I was rushed to trauma and then I was told that I would be admitted as I was very sick and needed drips to be put. Then discovery was contacted by the hospital to admit me. That was fine. All went through. Spoke to me Hafzal Moosa asking him is this hospital I'm in , my network hospital. Am I going to be covered fully and is there any cash payments. He said no . He told me and my fiancé that it was all good. Comes the 3rd day when I wanted to know what is going on because the specialist wanted to treat me further like do x-rays and a bronchial scope because he diagnosed me with bronchial pnemonia and the doctor stopped all procedures due to the medical aid being declined for authorization. I had to be discharged immediately and then I started following up with discovery asking questions although I am so sick I had to do this. I was more stressed with discovery making me run around and Making calls that sum up to almost R1000 . I got a call from the risk viewer Tiisetso mkutso saying she declined my authorization because I never filled my form correctly and I further asked her why , because I didn't fill it. My broker did and my broker is from discovery.she insisted I probably got a broker off the street. Then I wanted a email saying it's because I never filled the form correctly. She then sent an email saying no it's my symptoms that was the same in Feb and March which was for flu and I didn't understand any circumstances have bronchial pnemonia,it's all provided from the doctor to discovery. PMA forms was filled. Then how quickly the topic changed when I told discovery it was their broker. Then they say it's the symptoms. When my doctor proved it isn't then they wanted me to re-appealed (Moosa) so I re-appealed. He couldn't ask me anything about it or help me anymore. He said that discovery wouldn't allow him to get involved. So I re-appealed and Pam took over. She did help and assist me saying it's declined due to the questions filled wrong and then my broker refuses to answer any calls from me or my fiancé although my fiancé has investment with him. He refuses to assist. This is the kind of staff discovery employs. Then pam assisted me also because Tiisetso sent me a withdrawal letter and said I'm removed from my medical aid. I can't believe that happened so fast. Then she attached a form which was the application if I wished to reapply. Then so happened I had to go and print it and personally call pam and tell her to help me and tell me where I'm wrong because the broker is there person who did it and he refuses to tell me anything or even answer or phone me. Pam helped me and told me but then I also sent it to compliance and they been making me run around, to non-disclosure department and then to executive relationship managers who is still trying to solve the problem. I keep contacting people and I have to repeat what has happened over and over and I am really frustrated. Mr Moosa had his wife to phone and talk to my fiancé which was a month back and told him to pay the money and to remove all things with her husband his just a sales guy and will sell anything to anyone. It hurts knowing discovery doesn't want our services and teaches there staff to speak in this manner and amount of 6000 goes to discovery every month. I am so disappointed and they phoned me yesterday saying that the broker mr Moosa said I had the hard copy of the form which I didn't have with me at the time of application. How can he lie. I am so shocked and he did not send me any forms. He sent my fiancé. Regardless if he sent it to me or not. I do not want to have a look at it that is why I strongly asked him to set a appointment and help me do the process to avoid what happened now and I am getting the run around. It is now April and the hospital wants me to pay the bills. How can I take a medical aid and pay a premium to them but now I must pay a bill by myself???? What is the purpose of a medical aid.??? To make a person run around and give them stress. I think discovery is playing around with me but I will not let it go. The broker did not disclose information that I needed to go and tell discovery that I had the flu in the last 12 Months.thats the questions that's not answered correctly. Mr Moosa never told me , Yaksha please tell discovery you had the flu and you went to the doctor or Yaksha if you get the flu please inform discovery! I didn't know I needed to tell discovery anything of that sort. The reason why he came was to inform me all of that. Why discovery needs to know that I had the flu. It's not chronic because Mr Moosa told me Yaksha there is not questions like that even in the form. So I need discovery and mr Moosa to sort it out immediately and I am waiting. I am disgusted by discovery that tried to blame me. Someone is trying to cover there butt here. I will not tolerate this.its one thing to the next everytime the story changes from the broker and the broker is speaking lies alot