Stratum actively ********* & make plans to NOT pay out claims

My wife needed to go for a specific operation to heal her, that Discovery only pays 80% for. I approached Stratum as a result of some positive reviews. I explained that I needed a GAP cover that would cover the specific operation GAP. I was told that they would waive most of the waiting periods, except for the operation which would carry a 6 month waiting period. The Sales person said that there was nothing else in the way. From the get go, any time I phoned in with questions or requests, I was met with rudeness, terseness & a reluctance to assist. I didn't worry, because they supposedly came through when it was needed. We planned the operation so that it would fall in the seventh month to ensure we were out of the 6 month waiting period to be able to claim. We put in our first claim, the visit to the surgeon, & no problems. So we then claimed for the operation. Suddenly there appeared a 10-month waiting period that was in the contract, & they could only pay out 10% of the claim. Now I'm not a medical professional, so I trust companies like Discovery & Stratum & others to advise regarding the relevant intricacies of medicine. So in giving the details of the operation to Stratum I actually expect good service & not come back after being told to go ahead & then being sneaky about not paying out, because of some piece of medical equipment that suddenly is a problem!! This specific operation is very clearly defined by the Medical Board & telling a customer AFTER THE FACT, that there is a problem is straight up ********* & **********.