Might just as well have no medical cover at all!!!

The latest matter that lead me to post this on HelloPeter as a last resort... I injured my ankle during the weekend playing sports. Knowing my poor history with Discovery and claims, I tried calling to find out what I should do. The only available information came form an automated system advising that if it is an emergency, there is no need for pre-authorisation and I can go straight to hospital. Treated at ER, there is no option to try and find a listed doctor (needle in a haystack), you have no option but to go with the attending doctor. Yet again Discovery refused to pay anything. Further to this I now need to see an Orthopaedic Surgeon. Even though my plan allows for two specialist visit per year, to find a listed surgeon, I need to travel outside of the Western Cape (based on my call to the Discovery Call center) ?? Ridiculous to say the least! Having grade three torn ligaments make travelling, let alone driving, quite difficult in case no one has thought of that.