Policy terminated without consent yet still paying

On Thursday, 25 february 2016, while trying to book Kulula flights for my family I realized our family vitality had been cancelled. To my shock I called Discovery Vitality who then informed me that yes it has been cancelled. I was put through to Discovery Life as our vitality is linked to our life cover. The lady then told me that our Life Cover was terminated on the 31 December 2015. Upon requesting reasons for cancellation and by who I was told my husband needed to call them as the policy is in his name. My husband called and was informed that his policy was suspended, but they also couldn't tell him why. Our biggest disgust was that my husband's account was still debited in Jan 2016. No communication was ever sent to confirm that his policy was cancelled/suspended. Only Thursday, 26 Feb 2016 in the afternoon did they email him a letter stating that his policy had been cancelled...but with no reason. Then to add more to the frustration, on the 26 Feb 2016 his account was debited!!! How on earth is this not ********** on their part??? What scares me even more is if my husband had passed away our claim would've been denied. Can someone please help me understand.