Holard Insurance is a ****

Iv been a client of Holard insurance for a while now. Last year July I lost my job and when the debit order came through there was no money in my account. I called and explained my situation and I told them I will go to the branch to go fix this problem. I went to a branch in Limpopo to make a 3months payment which and after that they where debiting from my bank account. On the 28th of February the debit order bounced, I then decided to go make the payment. When I got there I was told I'm owing July's premium. I asked is this possible because when I made the three months payment July was supposed to be covered. So since last year Holard hasn't said anything until now when I missed my payment. If I had a problem they wer going to cover me even though they where continuing to debit my account. Why in the future world would you update August payment when July Is owing? What problem are you solving with that? what if someone in my family died, I am wasn't gonna be covered?!?! Holard is a ****?! I'm disgusted