Day light *******

Discovery Life after 9 years of having cover with them, I had financial problems like any other normal person has and they cancelled my policy. I have never received anything from Discovery not even a cash back after 9 years, I was told I need to R2590 to have my policy reinstated, I visited every loan shark to put together the R2590 and now I am seating on the phone for an hour with their consultant telling me I need to pay for August too so my cover can be reinstated. Someone please help me I need to reduce the cover so that I don't get cancelled. Also being asked about a declaration of health cause when I took the policy I was young and 100% healthy after 9years will u cancel my policy if I contract any illness. I am worried and can someone please call me.