Unfair Practice by momentum health

I joined momentum health in July 2024 from fedhealth. yesterday on the 4th November my daughter was seen by a specialist, who did some investigations which i paid for 15k. He then said the child is having silent seizures and will have to admit the child. I then had to sort admission authorization, which momentum health could not give me before i submit a 12 months medical history of the child. Mind you i had disclosed everything regarding the childs medical history in the past 12 months before joining the scheme. My question is, the very same form i had to complete, why is the same form not given to us when we sign up for the cover. I this way it will save us clients a lot of stress, because upon joining they should be frank regarding what they will cover and not cover. What my daughter is having currently, she never had it before, how this is delaying authorization i dont know. Who will know in July that the child will have fits in November?? Maybe someone from momentum health can assist me in responding to this question. This is so unfair.