Frustrating application! To continue or not...

Medihelp use to be very good. What is going on? I have being going through an application process which has left me very frustrated and anxious and disappointed, and in two minds whether I should sign or look somewhere else. Between the appointed broker and the new business centre. Besides that it is so costly, Firstly I had put all your medical history/ treatments/ previous operations on the application form. Medihelp app**** a 132 month waiting period on everything since 1995 - of which some don't even exist anymore. So I queried it. Then yes, given they app**** 12 month waiting period on only the 2 most recents - for the last 12 months. - So now I understand this. It is what it is. Because you know, how dare a person want to claim for something that is going to cost the medical fund so much money,. Nevermind the premium that it cost the applicant. I queried the one condition of shoulder lesion, asking that this is very generalized and what does Medihelp mean by it. They keep explaining the 12 month waiting period and that they wont pay for any claims relating to it. I do understand this. I had a should injury in the last 12 months. Then I asked if it should be more specified as to the injury. Their reply was the same - of what is a 12 month waiting period. Then I spoke to the broker. I explained the injury and the treatsments and which shoulder it is. Because one has 2 shoulders. I asked him to, should it not be more specified to the injury and should they not mention which shoulder? His spoke to Medihelp and came back with the same response. - What is a 12 month waiting period. And that they are bassing it of "if I should need and operation" YES I GET THAT! Ok, given, I did not mention left or right on the application, but the did not ask either. I have now told them how many times which side. - I told the broker again too. And he rep**** " Ok, he will ask Medihelp to say which shoulder." Why is it my responsibility to tell Medihelp how to complete an application? I am obligated to mention current medical conditions, of which I have done, but not getting much help from MEDIHELP. If this is how it is with application, how is it going to be when it comes to claiming?