Emotional distress and disappointment

On the 19th of May I inquire about the cover of a deceased which I was given reference number WF 587 121 177. I was informed that the claim will be +-R22 000 as he was covered with R20 000 and that was according to my knowledge as at September 2018. Then on the 20th May 2021 I submitted the required documents, but I was paid +-R13 000. I lodged a complaint on the 2nd June 2021 but till to date I never got a response regarding my complaint, the only thing I am getting is the agents who are calling me to sell policies. In August 2018 my premiums were R452.47 and thereafter they went up to R483.58 and in September 2018 I requested the policy document which showed me that the premium has increased so are the covers.

You pay premiums for years and when lodging a claim then you are not paid what is expected. I am really disappointed with hollard and it is causing me emotional distress as I ran into debts as result of the short payment by hollard.