very bad service

I am very disappointed with their service , i have been with them from 2018 and never had a claim . only this month when a claim i received a settlement figure which is less than the mentioned cover amount as per policy certificate.

they say its because i was having arrears on premiums, but last month i am the one who called them spoke to consultant who advised i have to pay outstanding premium which was 709 and i did pay it ,now because its payback time they come with excuses, first of all they don't inform us if there is an increase on the policy they don't even update on the policy contract, one has to call them so that you know where you policy stand and who is covered and not.