Membership Cancellation delays

<p> Good Day </p> <p> </p> <p>i joined discovery this year and never submitted a single claim, i then sent a request to add my new born and didnt get communciation that he has been added but a normal debit order went through then a second one days later which got returned as it was unplanned for which was for my baby as i was told weeks after. now needed to cancel the medical aid and was told that i have to wait till end of the month to cancel and return their debit order.. why did i have to wait to return debit and not cancel right away? now i did as i was told, reveresed their debit order now im still waiting for the cancellation letter so i can get on to my emloyers medical aid. i have a sick newborn and i cannnot consult cos im not covered by any medical aid. Discovery said they will refund me for premiums paid for April and May but till today after sending cancellation request, im still medical aid less and just living on the edge, if i were to have an accident today what will happen to me or my kids? </p> <p> </p> <p>why did i have to wait 2 weeks to return a debit order but not just be cancelled and refunded for my premiums and the cancellation letter will say i was covered till March? </p> <p> </p> <p>please give me what i need so i can move on in peace</p>