Medical Claim refunded into incorrect bank account!

I have sent a claim through to my medical fund. The refund back to me is R1,854.70. The funds were refunded into my late husband's bank account. Not once has anyone from the scheme phoned me to confirm banking details. They withdraw my monthly membership fees from my bank account - they don't even compare banking details. Queries with this scheme takes longer than 45 hours to sort. I can never get through on their Client Services line - you automatically get transferred to a message system where you need to record your query and have them phone you back. This is a medical scheme and you can't get hold of them when something is urgent!! I previously also got suspended after they were paid in full. This happened due to an arrangement I made after late payment. They only wait for updated bank statements on the 15th of the month, upon which they update their systems. Leaving me without my chronic high blood pressure pills for about a week and I could not take my daughter to the Dr, because the system stated that I was suspended.