Inefficiency

I am in the process of changing a medical aid from Bestmed to Discovery. I have filled the necessary forms as employer and Discovery stipulates. This was done on the 7th Dec. Today Discovery calls me to tell me I need to fill new forms as my application is confusing. I explained an issue of 2 forms that I needed to fill...one from agent and the other from Discovery. Explained that i saw a clause in 7 page application form that said exclusions may apply. I called the Call centre to enquire. I was sent a new applic with 11 pages. As the info was common on both, i decided to just continue from where I left off on the 7 page application up to the 11th page and sent them for processing. Just 2 days before month-end, Discovery calls to tell me that I need to fill new forms and reminds me that 3 months exclusion may be applicable and it takes 4 business days to process forms and they only cover from the 1st of each month. All this effectively means I don't have medical cover. I asked why was I not advised earlier. They insist they tried to call me with no luck! in the midst of 4th industrial tech, Discovery can only call without an alternative of sending email, fax-to-email, sms? It is clear that Discovery was hell bent on not covering me from January and imposing 3 months waiting period irrespective. I cannot afford to be without medical cover as the forms were submiitted on time. My cover must start effective 1 January 2018.