No value for money

I joined Discovery medical aid and Vitality in January. I paid 2 premiums for January from my company and one was debited from my account. I was informed my vitality was cancelled due to non payments. I am paying Vitality monthly so I can get the benefit especially the gym benefit. but for months now I pay a full fair for Virgin Active while im paying Vitality. The most irritating part is the fact that when I call I always have to explain the same story to a lot of people. I have spent too much money on calls trying to get help. I emailed them my pay slips as proof that I have been paying their premiums monthly but still my Vitality benefit is not active.<br> <br> Secondly Discovery did not approve a medical procedure that needed to be done at Theatre for me on the 3 July 2015, I ended up paying for the hospital, Doctors and theatre cash, this is after my Doctor wrote a lot of letters explaining the risks involved in the procedure and the need for theatre. what is the use of having a medical aid then? Now I want to cancel the medical aid with immediate effect im told to wait for October. <br> ive been greatly inconvenienced and ive spent a lot of money for nothing. I demand a refund...