UNCARING /GUARDRISK/ADMED Cap cover

I was with Admed for a number of years and when I moved and cancelled my Medical Aid I did not cancel my Gap cover I really thought at that time that if I had Medical insurance I could keep my Gap cover. 2 and a bit years ago after paying for my Gap cover for this period I was reminded that I could not have Gap cover on Medical insurance which was ******** on my part and yes it was my fault and yes I made a mistake BUT when I contacted Admed to plead with them to PLEASE refund me my 2 years premiums and in these hard times and the Covid pandemic that they would find it in their hearts to please refund me, they SAID NO I really thought that they would see this as a one time case and help 1 client that made a mistake, they were UNSYMPATHETIC. They said they could only refund me 3 months, REALLY 3 months !! I have no words. I have never come across a more UNCARING, UNCONCERNED, INSENSITIVE, UNKIND, COMPASSIONLESS, PITTYLESS, HEARTLESS AND INHUMAN Company.