Expect better from Discovery

...my wife had a heart attack last week Thursday morning, we managed to get her to hospital in good time with an ambulance, she is still in ICU - the trauma indescribable. I was phoned by Discovery the next day, while I was standing next to her bed worried that she is dying - and the Discovery person informed/said to me that Discovery only pay for the first 24 hours of the hospitalization of my wife (that was what I heard in my state of trauma), and that I have to negotiate with doctors from after the 24 hours period in order to have them charge the Discovery rate for their services. How do I know what other doctor will be involved? And in any case where do I find these doctors? I felt harassed and bul**** by the representative from Discovery. I in the meantime submitted the Discovery internal complaint form (via their website) about this upsetting call, with no response from them until now. A heart attack according to my understanding is a PMB and should be covered/paid for according to what is prescribed by the laws of our country. And if the medical aid has an issue with how they pay they can communicate to their client this information in a better timed manner. More humane.