Worst medical aid ever

i am currently 34 weeks heavily pregnant due next month on the 19th. I booked a hospital admission yesterday he 13th October and today THE 14 October i received a call from discovery stating that they will not pay for the requested admission as has not been approved and the reason is that they will put me on a "waiting period" and any claims made prior to this regarding pregnancy will be reversed and I have to pay the doctors myself. i asked the lady i spoke with, why was i not told any of this when i first joined discovery early this year and why have they continued paying my gynaes visits if they know that i am not covered am supposed to be on that "waiting period". she had no answer for me however stated this is the reason she called. i even told her that i have been in contact with Discovery since May and I did ask about waiting periods however they stated there are no waiting periods on my membership, but the lady stated that on my profile it does not show any communication made prior to her calling today and whenever a client calls in they leave notes, but on my profile there are no notes which means i have never called in whatsoever. Even my GP called in to confirm when i first find out I was pregnant and they stated I can continue as per normal as there are no waiting periods. Now the lady calling me today is stating they will not cover the hospital fees and as well will reverse any payments made to the doctors. my question is after all these months i have been visiting doctors why didnt they call to inform me or let alone email to inform me about waiting periods? why pay the doctors claims if they knew i was suppose to be on a waiting period. why now all of a sudden that I have to be admitted at hospital it becomes an issue. I have heard people complaining about discovery lil did I know that I will experience it first hand. So basically they tryna say I must see what to do when am due to give birth, and worse part the lady even had the audacity to tell me that as soon as i give birth i must cover my baby immediately, After what she just told me they still want me to cover my child and get more money from me but they cant cover my fees. i need answers and an approved hospital authorization immediately .