AVBOB policy declined after 5 days

<p>We Complained about AVBOB about a month and half ago on policy no AL ********** X1, We still waiting for feedback til to date , paid them cash for the funeral as they declined our claim 2 days before the burial , so we did not have any option to go anywhere else, The funny part of the whole thing is that we did a claim with Old mutual and Avbob at the same day , even asked if the policy lapsed as I knew that the owner of the policy, his work contract ended onthe 4 January 2016 and he was admitted in the hospital on the 17 April 2016, The all said everything is fine , the claim will be paid , to my surprise only Old Mutual paid after 24 hours and Avbob declined claim after 5 days , is like they waited for lapse day to kick in ,I was soo disappointed and hurt as they did not explain that to me first time we approach them , what kind of service is that, I had to arrange cash for the whole funeral and now they even owe us refund of R450 for programmes they did not print , Please I need feedback as soon as possible , cos we need closure on the matter, its been 2 months now, In future Avbob please update your systems to give clear updates on policies,if lapsed the system should have blocked us the first day we approached them about the deceased's passing, The whole thing did not make sense at all , At least pay back our R450 Refund while u still busy with your investigations Please , </p>