Breach of Contract

My son was hospitalized on 15th of October 2015 to 21 October 2015, We conducted clientele as our insurer then they asked us to send the documents (Medical certificate, Dr's reports, test results, etc) which we sent on 3rd of November 2015. Follow-up was made with Zukiswa and Nicholas hence they couldn't give me a concrete feedback hence she (Zukiswa) promised to ask Nicholas to call me back, since then I was moved from pillar to post until today (16/11/2015) when I phoned Nicholas.<br> <br> As per our telephone discussion he confirmed that they are not going to pay my claim because the test results didn't reveal that my son had a disease which the doctor thought he had hence the policy didn't stipulate that they will not pay if the patient is not diagnosed with disease which the doctors thought it was, hence the POLICY STATE THAT IF A PATIENT IS HOSPITALIZED FOR MORE THAN 3 DAYS THEY WILL PAY!!!!!<br> <br> The solution is either they pay what is due to me or they terminate my contract then pay me back all my unclaimed PREMIUMS!!! THEY WERE TOO QUICK TO TAKE MONEY FROM MY BANK ACCOUNT BUT MONEY NEED TO MOVE FROM THEIR ACCOUNT ITS A PROBLEM.<br>