Kaelo is not recommended

I bought the Dischem Health Medical insurance. When I spoke to the broker I agreed for the payment date to be the 1st of every month for R591. I then received the virtual card and details with the inception date as 1December 2022 meaning that is when my first payment will be deducted. On 14 Nov I got an sms saying that Kaelo will be deducting R791 on 15 Nov. I immediately emailed them requesting to cancel that as I did not agree to pay R791 and definitely not on the 15th. I also did not get a debi-check or debit order mandate on my banking app. R791 was then deducted from my account with a R200 penalty as I do not have funds in my account. They said they cancelled it and asked if I want a refund. I requested the refund which according to them will be done on 23-11-2022. This is just unacceptable. They deducted money *******ly from my account as I did not agree and requested for them to cancel and rectify their error. This is a bad start. I hope I will get better service going forward.