funeral claim

if i could give you zero stars i would ,on the 03rd of July my mother unfortunately passed away due to covid i went to capitec bank to put in a claim and they advised me the next day that because by mother died in the 6 months period my claim is not successfull which they said that only the 23rd of July it would be 6 months period but on the contract it shows that the policy was effective from the 01st of Febuary this is really upsetting me and my children are still covered and im thinking of cancelling this policy whats worst is that capitec told me there in no premuim refund so i wont be getting my money back im really upset as i need to pay people back money which i borrowed to bury my mother just because of she died three weeks before the 23rd ill also be going to the ombudsman