Useless coverage

I have had absolutely awful cover from Discovery since the get go. I had some simple, basic blood tests done in September to make sure I won't be negatively affected by chronic medication. I was charged by PathCare for the test (they always give me great service and I never have problems with them), but Discovery retroactively declined cover. I reapp**** for cover for the tests, but received of feedback (I did this another 2 times, both without any feedback). I managed to phone through to them on Tuesday 09 November and was given a new email tp mail my claim to, which I did. I phone Discovery today to ask what the status is on my claim, only to be bluntly told the blood test was "out of hospital" and therefore not covered. No-where on my plan guide does it say that blood tests are "out of hospital" and need to be covered out of my own pocket - the solution offered by the telephone consultants was to upgrade to a more expensive plan. Really? Is this so they can pay R23million a month for lavish headquarters in Sandton while sitting on R27billion in reserve? Why can't Discovery cover basic blood tests prescribed to my by a doctor and a psychiatrist - part of the tests are to make sure I won't be affected by a chronic condition, simply because it's not an emergency? They refuse to cover basic medical procedures, despite the national health insurance bill compelling them to cover basic medical procedures.