PATHETIC SERVICE FROM DISCOVERY LIFE!!!

Good day, My husband had a Discovery Life Medical Premium Waiver Policy, which means that when he passes away, Discovery Life will cover my Medical Aid Premium with Discovery Health for the next 5 years. Discovery Life is suppose to pay the premium into my account and then the Discovery Health Premium will be deducted again from my account. Since my husband passed away on the 12th of August 2020, I have had only pathetic service from them. First we struggled for the policy to be activated, now I have to literally BED them every month to pay the Premium into my account. Please note that the Discovery Health Premium gets deducted from my account on the 1st of every month. Last month I had to send Discovery Life an email, requesting them to please pay the Premium and eventually it showed in my account on the 4th of November. This month it is even worse......... today is the 7th and NO Premium has been paid into my account as yet (An email was already sent to them on the 2nd of December asking why it has not been paid). My question is: 'Why do I have to BEG or remind them every month to pay the Premium over to me?' Surely if my Discovery Health Premium is going off on the 1st of every month, then the Discovery Life Premium should already reflect in my account on the 1st of each month. I have a lot to cope with at the moment an believe you me, I do not appreciate the fact that I have to BEG them every month to fulfill their obligation towards me. I insist that my Discovery Life Premium reflects IN my account on the 1st of each month, the same day my Discovery Health Premium is deducted. The Discovery Health Premium is nearly R6 300.00 and I cannot afford the Discovery Life Premium to reflect a week or even a day later that the 1st of each month. They clearly want your money every month for a Policy, but when they need to pay there are always issues! THEIR SERVICE IS PATHETIC!!!!!!!!!!!!! I need a SOLID commitment from them on paper, that the Premium will show IN my account on the 1st of each month. It leaves a very bitter taste in your mouth to get such terrible and pathetic service from such a big Company as Discovery. I need answers, and I need them NOW!!!!!!!!!!!!!!!!!!!!!!!!