Unprofessional service and advice

I am writing this review with great disappointment in my heart, out of words not even sure on how to start. This is not the type of service I would expect from Discovery such a big company, I would have expected from any other company not Discovery. I guess they say an insurance company’s capability is tested at claim stage. It’s like they always look for ways not pay claims. Last month I called Discovery and asking for authorisation because my GP referred me to a gynaecologist at Park lane Hospital. The consultantI spoke to told me I don’t need authorisation to see a specialist in hospital unless I will be admitted then the Dr will give me forms to fill and send to Discovery she didn’t bother to tell me to activate the maternity benefit since I am pregnant and going to see a gynaecologist. A week after my appointment I received an email from Head of Discovery care stating “unfortunately we will not pay for the admission for the following reason/s: We have not approved the request.” Which admission is she referring to? A consultant called me on Monday and said the reason why they didn’t pay is because I didn’t activate the maternity benefit not admission as the “Head of Discovery care” previous said I told her I called in looking for assistance and guidance and I was not told I needed to activate the maternity benefit before going to see the gynaecologist, I requested her to listen to the call and conveniently they can’t find the call and I offered to give them my call as I was phoning with my work phone and they refusing as they can only use their calls. Discovery is only paying R197 out of the R3000 that I owe the hospital I find their service very unprofessional and unacceptable they not looking for solutions theylooking for ways to not pay claims. If I knew that was going to happen I could have gone to the clinic the procedure is the same nothing different and saved myself the headache, stress and debt! Discovery don’t care about my health I am pregnant and now I have to stress about paying for the hospital? For something that could have been avoided when I called in? The sad part is I spoke to different consultants and each one gave me a different explanation, it’s like they don’t work for the same company. No one is looking for a way to resolve the query everyone just seems to refuse. Discovery is the worst company I have ever dealt with and im going to let the world know how pathetic their service is. They just in it to make money and not will to pay when it comes to claims.