Worst overall service

The worst customer service you can ever expect.First they missed payment and send a message that they will debicheck for the next 7 days.l kept money in the account but no deduction was made.Come month end they deducted 2 months without communicating to me so l had already made a cash payment of 2 months. Problem started when l requested refund, they told me that money will be in my account within 24 to 48 hours but even today lm still waiting after 7 days. Calling them is a nightmare as you are forced to listen to long adverts before you can speak to a consultant. When consultants come they will make you hold and not even call you back if you run out of airtime but if you want to join their policy you can just give them a please call. On top of that their policy is very expensive,l pay R1300 for a funeral cover that pays R22 000 should my loved one die.The biggest **** l ever fell into😭😭. Lastly their deductions are irreversible as if you are owing them. I wonder if l will ever get my money back and their WhatsApp is also very useless