heartless and parasitic med aim

Discovery health is for money and absolutely nothing at all on health of their clients. These people have 12 months long waiting period for pre-existing medical conditions, but to my shock even in a life threatening lie and death situation there is no mercy at all to accommodate a clients emergency hospitalization while continuing taking monthly premiums and business as usual. Your policies are inhuman hle. So I found a medical aid who agreed to cover my life threatening medical condition and I tell discovery am leaving for this reason can I cancel. they process cancellation without queries or explanation, NOTHING. months later, am called and told I owe them 7K for using my savings and must pay right away or they ruining my name via credit bureau..Mind you I am in ICU post heart surgery that my life depends on and the very same emergency they refused to cover. still they weren't bothered, they just threatened me and demanded the fee I wasn't even told about upon cancellation with no consideration of my ICU situation. Could you not tell me that il have to pay you back the same time I asked for cancellation? You did not explicitly communicate this particular term or condition. y'all just *********** and parasitic.