Gap claims not being paid

I switched to Discovery GAP in July this year as my wife is pregnant, I was told they will cover all her 3rd trimester gynae visits, we have now started claiming for the consults and now we are being told because we have no savings left that they cannot process any claims as its not a shortfall????? How is that if logical? That is MY saving and wether or not I have left should have NOTHING to do with a GAP claim. The fact that if there was funds you would have paid is plain stupidity, you basically telling not to use my savings if I want to claim from GAP???? STUPID product!!! so sorry I left my previous GAP company, will leave DIscovery GAP and NOT recommend them to anyone