Pay medical aid no hospitalization

I have been with Sizwe medical aid on my wife's name for 11 years, never a problem. I discovered they would no longer do full hospitalization which they changed and notified us by post, but the postal went on strike and we contacted Discovery through my wife's work and was told there would not be a waiting period as we had full medical aid for that time(we joined the 1st of January). I went to the doctor for a pain I have and was examined and referred to be booked in hospital for test and treatment. When I got to the hospital they informed me that Discovery will do checks and it can take up to 8 working hours to be approved.it was 10 o clock in the morning and it took plenty phone calls and I am still not in hospital after losing a day of working for my self. I am still in pain and was supposed to be in hospital. All payment from 1 January went through and was never advised of such a condition ,my insurance claims take quicker and this could be something else that is causing my pain. I would have been helped quicker at a government hospital