Urgent need help

My wife took out a policy with elexi for medical aid . They promised a lot of benefits which made my wife take the policy. We can't afford normal medical aid the price elexi offerd was falling in our budget so she did not hesitate and took out the policy. Now it's going 4 months they have debited her account R1271.00 each month, they also offerd her some panic number to call in emergency which will cost a further R116.00 which they call a.s.a.p medical, so two different debit orders evey month. It's gone 4months they haven't send any medical cards . Recently my wife wanted to visit the doctor so called the doctors room to make an appointment and tried to use the medical aid , she was told by the receptionist at the doctor's that they don't work with elexi medical aid. My wife tried to explain the receptionist that the doctor is on the list of elexi doctors. She was told they won't accept elexi. My wife was very disappointed thinking that paying for 4 months , sacrificing other needs and now she can't even visit a doctor when she really needs it. Today I called elexi asking for explanation which they could not provide , I also asked the call center to mail me and explain what's going on. Whole day goes by no mail I had recieved. I need some assistance some one in this matter. I just want to cancel this policy and get our money back, we are trying to save for our kids, thinking that tomorrow my kids get sick what do I do. My policy number is elix033950