Confused and dissapointed

I have submitted all my documentation for a claim against early stage cancer, capital disability and access cover which is included in my life plan. With my dismay I called to follow up on thr progress of my claim and was advised that it was declined under the capital disability and early stage cancer. I await the full report of why my claim has been declined. Why does discovery offer early cancer claim if a stage 1 or 2 breast cancer is not covered ? Furthermore I have screengrabed particular details regarding these covers from the Discovery web page, whereby I provided sufficient evidence to support it. Furthermore my access cover is not granted either. I need clarity please.