Fedhealth endangering my health: Refusing urgent admission for spinal nerve damage

To the Fedhealth Management Team, I am writing this to formally lodge a complaint regarding the life-threatening delays and administrative gatekeeping I am currently experiencing. I pay nearly R4,000 per month in premiums for a medical "service" that is currently failing me in a moment of crisis. I have been diagnosed with spinal nerve damage. My spinal surgeon has requested an URGENT admission to address this. Despite the clinical urgency and the risk of permanent neurological deficit, Fedhealth is dragging its feet, refusing to approve the admission and demanding "multiple pieces of information" from the specialist. Furthermore, I have requested a mid-year upgrade from flexiFED Savvy to flexiFED 1 under the "life-changing event / serious illness diagnosis" rule. Your staff are currently blocking this by claiming only "dread diseases" or pregnancy qualify—this is a direct contradiction of your own policy wording which includes "serious illness." I want answers to the following: Clinical Negligence: Why is the scheme ignoring a specialist’s request for urgent admission? Every hour of delay increases the risk of permanent damage. The Purpose of Premiums: Why am I paying for a top-tier medical scheme if I am treated like a liability rather than a patient when an emergency occurs? Bad Faith Interpretation: Why is the 30-day upgrade rule being restricted to "dread disease" when my diagnosis is a serious, life-altering medical event? My Demand: I require the immediate approval of my hospital admission as requested by my surgeon and the immediate processing of my upgrade to flexiFED 1. Should I suffer permanent nerve damage or disability due to these administrative delays, I will be taking this matter to the Council for Medical Schemes (CMS) and pursuing legal advice.