FNB LIFE CLAIMS

I HAVE A CREDIT CARD WITH FNB AND THE OUSTANDING BALANCE IS INSURED FOR IN CASE I CAN NO LONGER PAY FOR SOME REASON. I WAS DIAGNOSED WITH CANCER IN JANUARY THIS YEAR BUT IT WAS NOT A PROBLEM BECAUSE I COULD STILL WORK WHILE I RECEIVE TREATMENT. BUT THEN CAME LOCKDOWN TOTALLY UNEXPECTED AND I COULD NO LONGER AFFORD THE REPAYMENT. FIRST I APP**** FOR COVID HELP HOPING FOR IT TO COME TO AN END SOON BUT THIS DID NOT HAPPEN. I CAN NOT WORK BECAUSE MY IMMUNE SYSTEM IS COMPROMISED BECAUSE OF CHEMO TREATMENT AND I CAN NOT AFFORD TO CONTRACT COVID-19. I MADE A CLAIM MORE THAN 2 MONTHS AGO AND FORWARDED MY CLAIM AFTER NO FEEDBACK ONCE AGAIN. BOTH TIMES I RECEIVED CONFIRMATION THAT MY CLAIM WAS RECEIVED AND NO FEEDBACK WAS GIVEN. I PHONED YESTERDAY ONLY TO BE TOLD THAT MY CLAIM WAS DECLINED BECAUSE OF NO BENEFITS, WHAT DOES THAT EVEN MEAN ? I WAS TOLD I WOULD RECEIVE A CALL WITH AN EXPLANATION BUT ONCE AGAIN NOTHING.WHEN THEY ASKED IF I WANTED THIS INSURANCE A FEW YEARS AGO, THEY SAID IT WAS FOR WHEN I CAN NOT WORK FOR SOME REASON, THEN THE INSURANCE WILL KICK IN, NOTHING WAS MENTIONED ABOUT BENEFITS- JUST STRAIGHT FORWARD INSURANCE FOR WHEN I CANNOT PAY. THIS IS A MEASURE THAT I AGREED TO THAT WAS OFFERED TO ME BY FNB NOT ONLY TO PROTECT MYSELF BUT ALSO TO MAKE SURE THE BANK IS COVERED IN CASE SOMETHING HAPPENS. IS THIS YET AGAIN SOME SORT OF SCEME TO COLLECT MONEY AND NOT HONOUR THE AGREEMENT ? YOU HAVE MY PHONE NUMBER AND EMAIL ADDRESS WHY WAS I NOT INFORMED ABOUT ANYTHING ? WILL THIS AFFECT ADVERSELY AFFECT MY CREDIT PROFILE ?