Bad service!!!!!!!!!

I have been with Discovery life for more than 6 years with no hassle, Last year I received an email saying my cover was terminated and when I called no knew anything and indeed it was terminated due to 1 month premium which I immediately paid. In February I was suppose to receive cash back as in every other years but it was me and them back and forth with email and ended up being told that since my policy was reinstated in September that means I will receive it end of September. I sent an email and only received an auto reply with a reference no ***. No one has bothered to contact me. The sad part of being a member with Discovery, I can leave my father is old now. Meaning I am stuck with expensive premium and poor service. This worries me if its a battle to just get my cash back how will it be when I need to make a claim?