Making medical funds rich

Sad to say but this as several other medical aid schemes are robbing us blind, annually I pay +- R80,000 and are issued with a saving amount of R15,000 per year which leaves R65,000 which Discovery surely invest elsewhere if you do not go for any hospitalization and let say you pay this for a period of 5 years but keep in mind the premium increases yearly up to 10% it could be more than R350,000 which Discovery pocket and then if you die after 5 years the money is forfeited .Never thought that I would say it but my vote go then to the National Health Insurance