Worst experience ever!!! Hollard Funeral Cover

I have my funeral cover since 2015. Me, spouse and 1 child. Added my last born in 2018. 2019/2020 I added my parents in law. Today they called me to update me on amounts and we realized they added only my father in law. my mother in law's details is on the system but not covered!!!! I pay R46 extra per person. Now she told me she will put me trough to someone that will fix this, went through she informed me I need to pay all the premiums from the time my father in law was covered then she will be covered with no waiting period. Next thing another lady grabs the phone and tell me no no no there will be definitely be a waiting period. I need to take out a whole new policy of almost R200 on my name to add my mother in law.... I already have a policy.... Now they can't add her to the policy for some shady reason so I have to take out a NEW policy!!!! This mistake is on Hollards side. They never added her, you can listen to my recording. I wanted to add them both.. They told me its for both!!! now almost a year later you tell me she is not on and I can't add her!! How will I get a cover now????