FNB short term insurance is the worst.

If they had a no star they would receive one. I insured my hearing aids with FNB as I paid cash for them and they were very expensive. On the 1st of August I call fnb insurance to inform them of my lost hearing aids and I could hear the gentleman taking my claim is writing his own things and making the story more complicated than it should have been. I was told I will get feedback of my claim soon. I sent over 8 emails over 8 calls to find out the process of my claim until the 30th when told my claim is rejected I asked on what grounds and was told because of negligence. I then asked what was supposed to have happened for my hearing aids to be covered and he them told me he will go back and ask him supervisor to have a look at the claim again. Again after emails upon emails I get an email that the claim is still rejected. My frustration is that I never got a policy document apon signing up. The second thing when I went on the app my claim was not loaded and therefore I couldn't follow up on app. Then I was never told when taking up the policy what and what not I will be covered for (hence I asked for recording). I am highly disappointed as these are my tools to hear and now my life has been made difficult because I cannot hear without my hearing aids hence I insured them because I do not work and can't afford another pair.