9 days penalties charge and no penalties before

This week I have send my application to Medihelp 9 day after the 90 days have expired, I have cancelled my medical during lockdown due to financial reasons as so many of us suffered during this time. They came back with an enormous fee and on top of that they have also charge us penalties 25% for as well as 25% for my husband as well as a waiting period. I have contacted the call center on the 9th and asked them why then they told because of the 90 days without medical. I am totally confused because when I joint them last year there was a 9 months gap between them and my previous medical aid. I have asked the lady at the call center why did they charge me penalties now and why not when I joint them when there was a gap and she could not really give me an answer then she told me if I can proof that we did belong to an medical before I must send through an affidavit and they can have a look, so I ask really I did belong to an medical as kid my private one in 1987/88 and around on my husband’s 1994/95 so where will I get all the info that's so far back. Also, the next answer was because of my age and the fact of the 3 months wit out any medical. I told her really, I mean I was 9 days late to join and my next question to her was. This is not my fault that I cancelled if this was not for the Covid then there was no need to cancel. She told me then to ask the questions to new business at Medihelp as they did the quote. I just feel why now charge penalties as they did not ask any when I join the first time and why the waiting period. And my next question is this our fault that the Covid disrupted our life’s. The only thing that she told me was that the calculation and the decision was made by the board members. I feel that Medihelp are taking advantage of the situation and why must I pay 3000 more. My quote A***