Worst medical insurance in the world

Hi. I am a new member of Flexicare, and if I am not mistaken, I have paid the policy twice already( R656 p.m.). I was in a car accident and needed assistance! When I phoned Flexicare on Sunday, they confirmed that my policy is active from the 1st of July and that I can go to any private hospital or clinic for a medical check up. Yesterday I went to my closest Medicross, and I was so embarrassed. After giving my details to the reception at Medicross, they immediately told me that I am on a waiting period and that they cannot help me. This is the third doctor I have been to that did not help me. The first two doctors I went to see privately also could not help me. So, I waited for my policy to be in active status. I phoned Flexicare and holded and holded. I spoke to someone and they never phoned me back. I am in so much physical pain and it seems they don't even care. They never phone me back since yesterday. I will write some reviews about how terrible the service is as well as the POOR communication skills. Worst medical insurance and starting to think it is one big ****!