Not being able to downgrade

my husband has been out off work for the past 6 months. in over 8 years of being a Discovery client we were never late with our payments.<br> We were unable to pay our installment on the 1st December.<br> I called Discovery today and informed them that unfortunately we would also be unable to pay the installment for January and if there was any way a concession can be made with regard to our payments and if we could be moved onto the keycare plan. <br> i was told in order to move to keycare plan, i would have to make the outstanding payments by today and once it is cleared by discovery all the necessary application forms etc for keycare would have to be filled in and sent through by tomorrow. which is by no way possible.<br> again i will be billed this month for the higher plan which i do not want to be on and in no way i can afford.<br> i have medical aid with Discovery and an insurance and i am really unhappy with the service i have received.<br> <br> <br>