The poor and misleading service

Im posting this on behalf of a family member about the poor and misleading service provided by zest life,my uncle has been in and out of hospital and we knowing that we have a gap cover from zest life is going to take care of the bills that the medical aid doesnt zest life have been debiting our bank account every month just to find out that they are not going to be covering our bills aswell as when we spoke to someone from zest life they had said it was an accidental cover so what is really going,initially discovery gap cover was what we wanted but liberty life recommended that we take zest life and that is the biggest mistake we made