Double Paymant Half Insurance ? Please advise

On January 11th 2024 I changed my debit card details on my insurance. The debit order for January payments did not go through and the account was scheduled for suspension. On changing my bank account details, I was notified that I will be receving a double debit on February as a back payment for the outstanding fee in January. Is it correct therefore to say : Momentum Health4Me is prepared to suspend an account for non payment thereby offering no benefits for a period of time, however if an opportunity arises take a back payment for that same period of time that was suspended, Momentum Health4Me will do that : In your opinion is this fair practice? `Thank you Kindly