Disappointing and complete waste of money

On the 17th of January 2019 I lost my dad after 5 years of being ill and to my surprise when I called Clientele to claim I was informed that I could not claim because I needed to wait for a duration of 12-months before I could claim and since he passed on before the duration, I was unable to claim. I then advised the adviser that this prerequisite was never explained to me when I added my dad to my policy. I added my dad in August 2018. I have been paying my monthly premise since 2013 and also have a hospital plan with them, meaning that I have been paying monthly premises for 6 years without any fail. In the adverti*****t they promise to be there for you during the difficult time in your life and I was meet with nothing but disappointment. When they did they investigation they told me that I was not advised regarding the waiting period and therefore they would have to take the issue to the legal team and when I got feedback I was then told about my November premise that was not paid and therefore I was not going to get paid. When I queried this, I was told I missed the December payment and I did not understand because the money was debited from my account and I had proof and the guy I spoke to seem less interested about that matter, all he wanted to tell me was that I would not be paid. I than asked about the cancellation process he just told me that I will loss all the money I had paid for 6 years. So, it does not help to pay monthly instalments to release when we need them the most they will never help. This was an emergency as I am the only breadwinner at home and at 29 years I was faced with paying for my dad’s funeral and all my trust was on Clientele due to false advertising, Clientele policies are just an excuse to make money. The advisers are so friendly when they want you to join them, but when they have to deliver they give you one story after another. I will recommend no person to Clientele. I feel ****med and would like my money back. I advise anyone considering clientele legal to be very weary rather research more do not fall victim to bad service and being let down!!!