Hospitalisation paid from Savings, additional debt

Good day,<br> <br> I have two complaints regarding Discovery Health insurance:<br> <br> 1) I received surgery (in hospital) in August 2014, only to find out thereafter that the full amount was deducted from my medical savings account. Why does Discovery claim that I will receive \unlimited private hospital cover"if this is not the case?<br> <br> 2) Even after the above-mentioned deduction"