Bad experience with Flexicare

I took out this cover for my mother hoping that it was going to help her one day but I was disappointed 😞. This cover doesn't cover for everything they have to be specific. My mom consulted a Gp he said they needed to do some further investigation in hospital he wrote referral letter, I called flexicare to find out what is the procedure they told me that if she went to private hospital I have to pay for everything. My mom went to government hospital there was no doctor to assist they said she must come back the following week. That weekend my mom was having difficulty in breathing hoping that she will be fine until she passed away 😔 😢.