Disappointed Client

Good Day it is with a heavy heart that I'm typing this. I have been with discovery insure for many years I think since 2015. I have had the best experience with the until yesterday. I had covered all my vehicles and home contents with them and I also have a medical aid for years with them. I have recommended them and continued to use them even when their premiums were higher than the other companies. Last month for the first time I couldn't pay my premium because I had a personal problem. I called them yesterday to reinstate my policy but was told that they couldn't reinstate it and had to apply for a new policy which I did and the consultant that I spoke to told me he would get beck to me with the premium amount. The guy did not get back to me and when I called this morning I was told that my application was declined due to numerous lapsed policies which I have no idea of, and that I have claimed a lot and that the cover is too expensive for them. I am SHOCKED and DISSAPOINTED. What I don't understand is, are we just supposed to pay premiums and not claim? and with my first offence that I'm trying to rectify I'm being denied the opportunity to rectify and I'm disqualified. After all the years with them I will also move my medical aid expense as well to a different company.