Discovery life, severe iIlness benefit is a ****

In 2018, I took severe illness benefit insurance with discovery life. The only conditions mentioned on my policy was the exclusions. When I took the policy discovery's marketing strategy was, if you get hospitalized for more than 3 days they will pay you a portion of the benefit. In January 2020 I contracted Covid-19 and was hospitalized for 8 days. 6 days in ICU on ventilation and 2 days normal ward as my condition was now stable. After being discharged i continued using oxygen tank for two weeks as I was still weak and lost muscle strength during my hospital stay. During that time hospitals were full and people were discharged once stable to make room for new severe cases just to save lives.

I am very disappointed with discovery life as when it was time to claim they brought in new conditions that one needs to be hospitalized for 7 days in ICU before the claim could be approved. Why was this condition not mentioned in 2018 when I took the policy before covid-19. That severe illness is a ****.