No Support When Needed

I sadly loss my brother a few weeks ago, and was looking to add my nephew (his son) as a beneficiary to ensure the teenager as medical cover while the estate is being addressed, with him having lost his mother a few years ago as well, with Discovery running for the hills and hiding being legal disclaimers and claiming risk because there has been no will and court assigned guardianship, where the teenager has been a member of Discovery health in any case, and does not represent any risk at all, but where Discovery wants me to take on a new policy just so they can rip me off for the full amount rather. When in most need, Discovery is absolutely nowhere to be seen!!!