FUNERAL POLICY NOT PAID

Good day I would like to complain about Capitec bank .

My Daughter took out a Funeral policy with them on 19 Sep 2018. The policy like any other polich does have a 6 months waiting period . All good and well, The policy was paid every month. Then on the 14 March 2019 my daughter died. this is 5 days before the Funeral policy was 6 months old. Now they refuse to pay out the Policy because she died in the 6 months period and she new there was a 6 months waiting period.

I have complained to Capitec then to Centriq Complaints department then to Ombudsman and they all say she should knew there was a 6 months waiting period on the Funeral policy and she should not have died. does anyone know when you are going to Die no so how can they refused because of 5 days not even a portion of the policy was paid out.