Process my full gap cover claim!!!

Without claiming, I've had a gap cover policy with Old Mutual for over six years. At the end of June 2024, my son had an operation, and I submitted two claims to Old Mutual. One was for an Anaesthesiologist for R13k, and they paid. Another for an Orthopaedic Surgeon for R42k. With this one, there was a back-and-forth; I had to send numerous emails and make phone calls to no avail. Eventually, I emailed instructing them to cancel my policy after finalising my claims. To my greatest surprise, they cancelled my policy effective from the 31 of August 2024. They later paid ONLY R13k towards the second claim. I am appalled. I had been reading about Old Mutual being useless and lots of allegations, and I had no input because I had never submitted a claim and therefore couldn't relate. I need the claim to be settled before I take legal action. I will never refer anyone to Old Mutual and would advise anyone with a policy to cancel it immediately. They are useless!!!!