Well in the u.s. the decision about severity has to be supported by medical documentation from a licensed provider. That medical documentation has to be converted to billing codes and put on a Medicare designed claim form. Payers, primarily government institutions like Medicare and state Medicaid offices, regularly audit these claim forms by random sample. If they find errors on those forms, such as a severity code that was not supported by the documentation, they extrapolate the number of failed tests in their sample to the population of claims they paid and claw back those payments. Depending on context, they might actually impose treble penalties as well and run your name through the press as committing fraud.
Do they do something like that in South Africa? It's not exactly known for the high quality of it's institutions.
Paying for better care and experience is possible in any country. Perhaps it's relatively easy, in a high inequity country like SA, to pay for an experience you like. Labor is pretty cheap there. It's gonna cost you more in the U.S. but you can get that experience here too, if you want. Find a doctor who doesn't take insurance or maybe look at Atlas. Bring your checkbook...