Suspension of membership

My wife is insured with Discovery Health. Now my wife is in Germany for more than 3 month and no longer covered by Discovery. Due to the pandemic she is prevented from coming back to SA for an unknown period. I have tried to get Discovery to pause the membership as there is no way that they are either covering her abroad or that she will be able to claim here in SA. They refused several times In my view due to the law principle of "supervening impossibility" the membership is suspended for the duration of the national disaster at least. Or as long as my wife is abroad for longer than 3 month. She is stuck in Germany now for 6 month already. Discovery are surely not entitled to collect the membership fee knowing that they will not be asked to perform due to impossibility of performance. This cant be right