WORST UNSYMPATHETIC MEDICAL AID

I officially joined Medihelp on 2023/02/01 through Hippo. I was told over the phone that the medical covers all GP visits only to come to the realisation that it doesn't when i went to visit one. I was told of a waiting period if i wanted to get glasses or an operation only to find out that the waiting period is for the medical aid benefits as a whole. When i got to the GP i was also told that there's an amount i need to pay each time i consult which was confusing because i did ask over the phone whether I'll be paying anything during consultation and the answer was no. I cancelled my membership on 2023/02/26 and reversed my debit order. Now I'm told i need to pay back the money and my accounted is being handed over to lawyers. I asked why do i have to pay since at that time i couldn't claim benefits due to being on the waiting period and i was told I owe them coz i was a member. A member without any benefit i asked, and they said yes. Please help me out here as i strongly believe i can't pay medical aid insurance just coz I'm a member without benefits. This can't be. This is just wrong. In Insurance if you don't pay your not covered, to my knowledge. I communicated that I'm unemployed at the moment and will only be able to pay a certain portion but they profusely declined.