July 2014 with Bronco phneumonia

Affinity health contacted me regarding a policy health insurance. The guy told me that I can have health insurance and medical aid and that they pay out for the hospital part of the policy R6500 for the first day R4500 for day 2-3 and R3000 for day 4-5 and after that R1500 up to 21 days. My child was in hospital at the beginning of July 2014 with Bronco phneumonia. Now they say no my medical aid paid the hospital bill so they are not going to pay anything. In there FAQ they say that the benefits would be paid into my account and that I would be responsible for settling the hospital. Chantelle told me that there would be no pay out to me because Discovery paid. No where in the documents that I received is stated that they would pay the balance of what Discovery did not pay for my hospital benefit. " The affinity health hospital plan is not a medical aid scheme, but an insured stated benefit hospital plan, in that the daily cash benefists are payable to the member and not the medical service provider.