MEDICAL AID MISNOMER

I am a pensioner 84 years old. I had 2 nose operations and desperately in need of a machine to breath and sleep. I pay Discovery R5225 premium per month, the machine cost R12000. I am a member longer than decade. My claim was repeatedly mechanically rejection, I turned to Hellopeter. And behold! Discovery contacted me. A letter of motivation from a doctor was required. I submitted letters from 2 independent specialists, but it was also rejected and instead I received a 4-page document to be completed by the specialists. The 4 page document by the specialist was submitted and also rejected, more information required! Desperate I approached the Ombudsman. My presentation was also rejected, a list of information was required within 21 days, or file closed. Then I Googled, and to my horror discover, Discovery is paying for his/her service and statistically less than 20% of rulings in favor of claimants. Will the dog bites the hand that feeds him? Worst to come is that the ruling is final like a court order. The claimant is dead in the water, problem solved, over and closed. 2 months passed, I sleep upright in a chair. The specialist in writing considered my condition life threatening without a machine. I stopped payment on debit order R5224 to Discovery for this month, with intention to cover balance for machine myself. If I land up in hospital who will pay? Discovery cover or Dis- cover