Roshmed money making scheme

I signed up for Roshmed hospital plan and paid the first month's premiums. Unfortunately I ran into trouble with finances and couldn't afford it. After requesting to cancel the 20% contribution to the fund was deducted and from R7000 I was left with R5600 which was supposed to be returned to me. That's how the fund works. After cancelling the contract only R1100 was returned. I was told there would be a cancellation fee of R2500, then too I should have got R2600. Even if we do consider unpaid debit order fees for 6 months it cannot equate to R1500? If this scheme was for the benefit of the people, then what justifies the cancellation fees and exorbitant unpaid debit order fees?