Query Discovery Health and FNB

This has been a long outstanding issue of mine. I was on Discovery Key Care and my late Mom paid for it, she passed away in January 2024. From the 01/08/2024 I started paying. I had complaints with Discovery and was told by an advisor that "you use Discovery Medical Aid for a month and then they deduct payment" I told him no company especially discovery would work like that. I have all the payments or should I say Debits which came off my account. What I would like to know now is Discovery said I owe R1500, I need to know if they have cancelled my subscription with them and total owed.

FNB I need to know from them how can a Debit Account if there is R400 they do a debit run for R1652 which does not go through then the money is added into my account. So total adds up appr. R2000. When I went into FNB and asked a consultant he said that is how it works.?

Some help would be appreciated