no employer is obligated to pay time off sick less than 5 days.
https://www.gov.uk/statutory-sick-pay/overview
these days a lot of employers are arse holes about this stuff.
This.
It is often down to the relationship you have with your boss/company and what you put in to the company, HR generally tow the line and enforce a no pay policy until approved by department head/Director.
Just speak with your boss and try not to get wound up in the meantime.
We do appointments first thing or in the evening so as to not interrupt to much of the working day.
Be thankful you don't work systems like the Bradford factor and have lateness wound up in there as well.....