Unpaid claim

I took a policy which they said was a replacement policy for Avbob. When I wanted to claim, they wanted a medical report report of the deceased and I was surprised since they didn't tell me anything about medical reports when I joined . What is worse is that I was not given any feedback after I claimed. I had to make a follow up with them for more than 2 weeks. I went to the branch and was informed that they will come back to me and they never did. The last call I made they, told me the claim was declined because it was only 9 months old, yet again when I signed up - I was never informed about waiting periods. I'm highly disappointed in Hollard, the last thing you need to worry about when your loved one passes on is whether the insurance will pay or not. Their service honestly sucks. I hope more people can become aware of the way they treat their clients, so that they save themselves from the emotional trauma I went through.