Worst Medical Aid Ever

I joined the medical aid +- 6 months ago with an existing condition where they would not cover meds for a year which is fine, fast forward to 14 December 2018. I was involved a motor vehicle accident rushed to hospital where the doc wanted to take x-rays and a brain scan. On my way into xrays i have to hear Ill have to pay myself. Upon further inquiry they say they wont be paying seeing as I was taken to triage/casualties instead of beimg hospitalized meaning it has to come of the savings. Whats the use in having a medical aid then if they drop you during a crisis.