The worst medical aid scheme

I'm sitting with a debt of R10 700 because of Discovery health scheme, they enjoy deducting our money but when it is time to pay claims they don't, I don't trust Discovery anymore, should me or my dependants fall sick or get admitted to hospitals, I know already that my medical aid will not pay. This is the second time I write this review, all they do they will call and pretend to sort your problem, only to bring you another problem, The are the worst medical aid ever