Downgrade of medical aid policy

I made a call to discovery requesting for a downgrade of my current policy. I chose the policy that appeared suitable for me in this trying periods. The consultant online sent me the documents to complete. After sending the documenting i was advised that I do not have liberty of deciding which policy i need. By default i only have two options. This perturbing! Why does an organistation need to dictate choice of products? The mere reason of a companies existence is to provide products for customers? My next question was should the circumstances change can i upgrade? The answer was no as the upgrades are only done end of the year. We are living in different times. Only organisations that embrace change will survive post the current turmoil. Can some one from Discovery advise the rationale of predetermining policy's for the customers? Which criteria is used for what a customer can have or not have?