Pathetic Service and shortfall payments

My child was born 12 November 2015, after the birth all claims were submitted and no one person from the claims was able to provide the correct information on the payments regarding the claims submitted. all specialist claims were short paid and I am yet to get responses to all my emails sent to bankmed. I have called numerous time to be told that I was paid out according to the scheme rate which is pathetic. I have huge shortfalls which I have to cover now plus pay Bankmed the ridiculous monthly instalment for comprehensive cover which is pathetic....maybe time to move... <br> shocked by the level of service received.