Dischem health insurance a disappointment

Hi I need your help I have been have stomach and back pains from end of December and I am not on medical aid. The 2nd week of January I was alone at home and I started having very bad stomach and back pains I couldn't even get out of bed since the morning. My husband came from work early and had rushed me to the state hospital where my husband and parents waited with me for 7 hours that night the Dr on call assessed me and asked me to wait for a gynecologist as he was doing a surgical case in theatre. After about an hour I was seen by the gynaecologist who was very rude he had refused for me to bring my mum or my husband in to the consulting room he examined me and when I was trying to explain my symptoms he didn't want to hear he just asked a few questions and shouted at me for taking certain pain medication. I then asked will you be doing a scan on me to find out what is wrong and why I am in so much pain he said for now take 2 panado and come at 7am on Monday to the gynecologist ward for a scan I shouldn't take any other medication besides the panado he refused to answer any of my questions properly and left. We only left the hospital at 12am on Saturday morning. Then my husband decided to called one of the GPS in our area we had explained everything to him and he had done a scan and advised to us in detail and told us that it's a cyst it needs to be removed immediately. He gave us a referral letter. On Monday my husband, parents and I did some research and found out that the surgery will cost +- R30 000 at a private hospital I then researched about the different medical aids and the waiting period was between 4 to 6 months. I then heard from a family member about the Dischem health insurance accident and emergency cover I spoke to someone by the name of Mpho Dlamin she was calling and emailing me for me to take the policy she had told me they do not take debit orders on any day they have specific dates so my husband and I both spoke to her and took the policy we was told by her that the debit order will go out on the 1st of February and the policy as well as the benifits will be active from the 1st on Tuesday I got a call to say there was a discrepancy on the debit order and it will go out on the 2nd today my husband and I was checking no debit order went out I called the dischem health insurance customer service the lady by the name of Celi kept on saying they can't do anything to assist all she can do is provide an ambulance service to take me to a state hospital and if she had to view the call recording of when we took the policy it will take 1 to 2 business days and then she will need to investigate the matter I asked her a question what if something unforseen had to happen to me she said unfortunately it's out of her hands the policy will start from the 1st if March I did advise I have proof on writing it will start on the 1st of February I was then told to hold on the line while she transferred my call to another line and the call was disconnected. I am unemployed and my husband is the only person working I am afraid to go back to that state hospital the way I was treated and wrongly diagnosed and previously my aunty passed away at a state hospital being wrongly diagnosed. Please can someone provide me with some advise or with some help as I am in alot of pain almost every day