Capitec Bank

I disputed debit order for medical insurance plan at capitec bank in January 2019. Due to a miss communication with the company and now I want the medical insurance to carry on debting seens from end of February 2019 but Capitec Bank is telling me that it is impossible for the insurance to debit again I should do a stop order in which I did but now the problem is the money only reflects after 3 days in the insurance account. And in that period the medical is being suspended should anything happens in that 3 days, e.g car accident or even being critical ill which means I won't get any help because of Capitec. I have went to the bank several times to try and explain to them and fix this issue but I'm being told the samething. That its either the medical insurance change the reference which is also impossible because its my unique plan number in their system. And Capitec does not wat to hear anything I mean it's my account I should have a say who debits and who doesn't. I need your help!