Absa funeral

My name is Andrew Phaka. My Uncle Titus Ketsebae Phake passed on on the 20th of June 2021 in Jabulani hospital in soweto. He spent about three days in hospital before his death. As I was perusing through his wallet I found that he had several banking accounts and Absa was the only one where he had a funeral policy. I was helped by a bank assistant to make a claim. After a week without any answer I called to find out what was the problem, only to be told that the claim was denied ,reason being that the policy conditions was that there must be R50.00 balance in the account at the time of death and the was no money. I explained that her was not in a position to check his account balance as he was lying sick in hospital and the little balance he had was consumed by fee's to the bank for returned or declined debit order's. They insisted that agreement is agreement. I would like to warn people who have funeral insurance with ABSA BANK to beware.