The worst Medical Aid

I have been a Discovery client for over 10 years with almost no claims or hardly any. The service I recently received at a time when I needed their help the most has been really the worst ever!!! I gave birth to my baby 8 December 2022 and the baby has been in hospital the whole time, to my surprise my MSA has been exhausted, so I decide to call Discovery to find out as to why my MSA is exhausted when all claims have been IN HOSPITAL claims. Their consultant was unable to give me an answer, our call got disconnected and she didn't bother calling back. My baby did not make it and passed away after 28 days, I wanted to find out if the plan covers for therapy after such a traumatic event I would need to consult, the consultant also failed to give me proper information regarding this. I will be cancelling my medical aid with Discovery.