Flexicare Medical Insurance powered by Discovery

I have been a member of Flexicare Medical Insurance for two years in which time my claims have been minimal. Their marketing is very misleading and causes a lot of confusion, That's beside the point I wish to make. On 4th December at 4 am in the morning I had a bad fall and hit my head hard. I went to my GP at 12 noon on the 4th and he suggested that I take it easy and see how it goes. I called him on Friday, 6th to say I'm not feeling well when he suggested that I go to casualty for a check up. I called Flexicare, which is underwritten by Discovery, to enquire about their promise to be there for you in case of accident, one of the emergencies being a head injury. The young lady I spoke to assured me that I could go to any private hospital for admittance to casualty for attention. I asked her what would happen then and she said if it was bad enough, I would be admitted to hospital and be authorised to have any medical attention necessary up to my trauma benefit of R400 000. This would include a CT scan, attention from a neurosurgeon etc. I was about to leave for the hospital when I remembered something about 48 hours and emergencies. I then called Discovery again and was told by the Flexicare consultant that I am not authorised to visit casualty as it has to be done within 48 hours. I explained that I'd been to the GP and that it was a concussion but Flexicare was not prepared to compromise. Nowhere in the small print of my policy document does it mention anything about seeking emergency attention within 48 hours. I have made enquiries and the "48 hours" clause and it appears that all the medical insurances are the same. It's misleading advertising because one is offered the Trauma benefit up to R400 000 for emergencies but again, nothing is mentioned about the 48 hours! I am very disappointed about this as I'd talked my son into going the Flexicare powered by Discovery route. He had a stroke whilst on holiday in Cape Town and his wife rushed him to the closest private hospital as per the policy. He was stabilised and then sent to Groote Schuur hospital for further treatment. However, upon being discharged they were presented with a hefty bill for his treatment at the private hospital. He was also assured by his broker that any emergencies are covered. I would think that strokes or heart attacks could be construed as an emergency. I believe that all the service providers should stipulate in big bold capital letters that emergencies are only considered within 48 hours of the trauma.