What DO I Pay For?

Last year in july I spent 5 days in hospital with a possible case of encephalitis. I had severe headaches, nausea and vomiting and blurry vision. I was admitted to hospital after acquiring the pre-authorization from discovery as they require. The doctor then took 2 days to first come and see me, and advised that I go for scans to make sure that there was no other complications. A couple of days later the doctor performed a lumber puncture to see if there was any infections or if there was any encephalitis. This happened 2 weeks after I was put onto anti biotics. Then I receive the notification that discovery will not be paying the duration of my stay as the authorization was only for 24 hours. I chose KeyCare as I am a you individual and relatively healthy annd just wanted my hospital stays paid for in case of emergency. I pay close to R2000 a month and now I am left asking why? That 2000 just gets paid to them for no reason and now I'm left with a 10k medical bill. Discovery is an absolute disgrace.