Terrible service

We have never claimed from these people, paying them every month. My husband found out he has melonoma cancer, had to pay R700 to the oncology Dr to send through forms for a claim they advertising for first time diagnosis. Had to cover drs visits out of pocket already and thus the reason for this benefit they advertising. My husband will have to see the oncology every 6 months and the dermatologist every 3 months for the rest of his life which also we need to pay out of out pocket because medical aid does not pay that we need to pay upfront and Stratum is saying they rejected this claim due to the cancer not spreading. This is ridiculous as I have a lot of out of pocket expenses lying ahead and to make sure this does not spread further but they just rejecting, why am I paying them monthly and not benefiting from it.