Bad policies

I was offered a cash back fnb hospital plan by fnb. I accepted for R89 per month. I was recently hospitalized, I remembered this policy tried to claim. It was worst than the experience if being admitted. Have to complete 2 different fnb documents with more than 1 page. I supp**** proof of admission/discharge details a hospital document that's clearly visible. However they want more details, the want actual copy of hospital file and day to day hospital records. This information is not given to patients. However if fnb bother to call hospital and my medical aid they will get enough proof I was hospitalized. But they don't do 3rd party calls...... Know I'm doubting my funeral plan with fnb. I can tell my family will struggle with the claim. The bank will probably want proof of my dead body.