Co payment

My son was severely sick in Jan, I took him to non pmb hospital. Medihelp covered the stay with the copayment of 35 %. When your child is sick, the closest hospital I took him without thinking, I had no idea he will end up with an infectious disease. Medihelp response to say that I had made an informed decision to go to a non prescribed hospital. Which person in their right mind, will go to a hospital, where they will pay extra, knowingly it wasn't the prescribed hospital. I as a parent was overwhelmed.