Retrenched but Capitec and African insurance did not pay off my debts.

I took a loan from Capitec and African bank then boom Covid19 came then I was retrenched in 2021. I then inform both my creditors about my situation. They ask me to email some documents as proof which I did, thinking that insurance will pay off but nope. Capitec and African Bank told me to pay my account because the insurer didn't approve my application. On the other side African bank gave me a discount. I can't afford to pay my debts because I am still unemployed. Please advise me...