Death claim

I have a complaint, I am so disappointed with Avbob in regards my claim, I've been a member of avbob for over 5 years, Yesterday 13-04-2026 I made a death claim of my grandfather to avbob whom I've insured on the policy, my claim is declined due to R1300 and will be deducted this month, I failed to understand after these years of being a member, because that money can be deducted from the claim or the cash voucher, the body of the deceased is already there with avbob and I'm frustrated because I'm currently on maternity leave and I don't know where I get the money to bury the deceased because its the only cover I have for him. What happens to the other money that have been deducted from my bank? I don't understand why can't you see that the premium of R360 was even arranged to be paid with R50rands.