Capitec Funeral Policy

I had a funeral policy with Capitec since 2011 to date. I missed one Payment and it happened that in December they traced my salary from the 15 to 17 and unfortunately our company paid our salary on the last day. From the 17th they never tried to debit. Now January I decided to check my debits only to find out that my funeral policy wasn't debited for the month of December,which takes it to 2 unpaid months on my policy and the results were "lapsed policy". I then went to Capitec branch to understand how can my policy lapse on 2 unpaid hence it was supposed to be after 3 unpaid. They told me they don't know what happened and advised me to open another policy while they are busy investigating. Under pressure I did,then next day when I went through the contract I realized that I'm going to pay R200 more on my policy monthly installments. Then I went back to the branch. I was told that the current policy it shows that I do have a policy with them and if something happens there will be no waiting period. Niw I'm afraid to carry on because the failed to resolve the first problem l,what if something happens and want to do the claim and they tell me my policy is still on a waiting period?

I'm tired of this,my advice because I want to take all money from the old policy because I'm not the one who created the problem.

Please advise