Not being transparent on how the health claims system work

I have submitted our gynecologist visit claims as we are expecting our second child. Only after they have deducted the amount from my savings I found out that this can be claimed without using your saving and you have to register for this first before claims. Really poor from their side that I was not notified when I submitted the claims. Just another way they are *****ing your money. The worst is that they cannot rectify this. I also have claims older than 4 months which they are refusing to reimburse me for. One of the reasons I will rather stick with my current Bank. And for this, you have to pay a fortune every month.