Kaelo poor administration

I did not read all the exclusions on the policy and did not realize it was only for in hospital shortfalls. I submitted claims for all expenses not covered by my medical aid and all were rejected. They also did not pay my claim for in hospital physio treatment on Sundays not covered by my medical aid. Because of this limited cover I cancelled my membership in February 2025. They again deducted debit orders end February and end March. I informed them in February and March about this mistake and requested a refund. I was promised on 2 March that I will receive a refund within 2-5 days. It is now 7 days later and I still have not received any refund.