Discovery Insure deliberately negligent so they can repudiate claims! Money making scheme

Discovery Insure has been negligent and deliberate in not following their claims process and now I am being told that my claim is being repudiated. I logged a claim on 4th Oct 2022 and the consultant assigned only called me on the 14th Oct 2022 to say the claim is repudiated. Should the consultant had done her job and contacted me on the 4th or 5th Oct, this situation would not be happening. She failed to perform her duties which has resulted in me being told my claim is repudiated! Throughout the whole time from the 4th till the 13th, I was unaware that there was a short payment on my account, which till today no one from Discovery has confirmed the amount. Prior to the 14th Oct (when the consultant finally contacted me), I was never once told that a payment issue will automatically repudiate a claim! How can a claim be 95% complete and then be repudiated? Assessment done, finance details required, etc, which implies to me that the claim is approved since processing steps have been followed through, and then at the last minute be told of a negative outcome! Perhaps consultants get an incentive based on the amount they save by not paying out a claim or repudiating a claim, since the consultant chose not to contact me, therefore ruling in the favour of Discovery! As payment is apparently the most critical part of the claim process, it should have been the FIRST thing the consultant checked and contacted me!!! Is there no SLA or quality assurance done on claims assigned, progress status, anything of such sort to manage the consultants competence in handling claims, as such shows the process not being followed, empathy, ethically fair or unfair, unprofessionalism and competence and in this case *********** which leads me to believe that Discovery resorts to any effort for claims to be repudiated. In light of what has happened on my claim, it seems as though that Discovery Insure is deliberately being negligent so they can repudiate claims, most probably a money making scheme. This is ********* and this needs to be addressed. This in not treating customers fairly and is deliberately putting a client in a worst position! I am a discovery client for over 10 years with various products across their platforms, yet this is the service I am receiving, it makes me wonder if their ethics and customer service is not what they make it out to be across all their products…