unclear rules for emergency conditions and co payments

My daugther had ashma attack and was taken to non network hospital and 6k was requested as co payment because the hospital is not under the network for my cover.

medvital elect is the cover and states 35% voluntary admission. How can ashma attack be classified as voluntary. unfortunatly she was not pre authorised and had to move her to network hospital.

I believe we were treated unfairly by this medical aid and is time to shop around.

We can't wait for NHI.