WHY DO WE HAVE MEDICAL AID!!

My sister collapsed at work yesterday, was rushed to the ER. Symptoms: Partial temporary paralysis, loss of speech and dizziness which all indicated neurological and they did not even do the basic dermatomes, myptomes and reflex and cranial nerve tests. They were more interested in sending her home because Momentum could not give immediate authorization. My question is why do we have medical aid? For Emergencies! So when you do have an emergency and is on Momentum health then you better pray because they will take 48 hours to decide whether you are being dishonest and never disclosed a previous health problem so who cares if you die in between because the hospital sure don't and sent her home! You guys are pathetic and I will make sure that my whole family cancel their Momentum Health policies because you take monthly payments every month but refuse to do tests and assist when you have an unplanned acute emergency that could possibly be fatal because they have not been on your medical aid for more than a year.