No use of having medical aid with discovery

Dont understand. When you have a running nose they cover your doctor visit. But when you are really injured and go to emergency they dont cover. They dont cover the x rays taken. So if i get in a car accident and concerned about internal injuries and go take x rays they won't cover. But when I sneeze and go to the doctor they will cover.

Whats the point of having medical aid.

I have a life policy with them. So they will rather risk of paying out millions with internal injury than cover 3k for xrays. Pathetic.