flexicare have no shame

I opened a flexicare health insurance. I paid my first instalment and couldn't pay my second instalment due to a big incident that happened. I explained via email what happened and ask them to deduct double in November, they rep**** and agreed to that. My benefits was active on 1st of October i got very sick and my son,i went to chemist to buy something over counter for us,all purchases went through at the chemist, nothing blocked me from buying something. The next day i didn't feel better so i decided to go to the doctor and all to find out the consultant they confirmed with told the doctor i cant consult coz i didn't pay my second installment. I was so sick i had to turn back from the doctor, even now am still not fine and my son..i had to find out also that the chemist payments wont be made for the purchase i made. How can i have faith in a medical insurance who doesn't have mercy for their clients. Can i please get help in the situation that im in..