No Ethics No Term and Conditions provided only at claim stage

I’m really a unhappy Client I do not agree with the decision taken of this claim Firstly when i had that horrible accident at work my thoughts were death I was in tubes and machines for the longest time ever in my life in hospital. I was treated and clean bill of health with a check up after 3 weeks of discharge Unfortunately due to financial reasons I couldn’t maintain the policy premiums leading my policy to lapse The Financial Advisor came to see me and because I wanted to enjoy benefits of loyalty cash back I decided to Reinstate my policy I asked if I should make the outstanding payments and was told no When I was assisted by your Advisor to complete this health statement she could see I was doing better because even after my check up I was told I’m recovering well I woke up one morning and was struggling to breath because I have a hospital file I was rushed to hospital this is when Dr Mohammad said this was weird that they didn’t pick up the possibility of such a chronic condition after my accident. Now if Metropolitan claims I **** on my insurance document why at the time of the reinstatement was I not told to get a doctor to confirm my medical condition I felt well and was recovering well I have since consulted with the doctors at the hospital You know public hospitals have different doctors all the time I am now seeing another department due to this Chest wall disease I now go to another area of the hospital no longer the one I visited after my accident at work I am a 60 year old who now is living with this condition and had entrusted Metropolitan life insurance to see to my hospital benefits at admission If you say I **** on my health statement why was this health statement not requested to be completed by a medical doctor for you now to be giving me this bull**** of excuses is nonsense I have a similar cover with Clientele and they requested a letter from the doctor to continue with their policy should Metropolitan not have done this ? I have since been paid for my recent visit because like any accident some illnesses will creep up on you and an aging body I Demand this claim be reconsidered and reinstatement terms and conditions be provided where it deems me a medical doctor to confirm my good faith of my health if you ask anyone if they feel healthy and they wake up fine after a hospital visit that long even after a doctor visit after discharge and he gives you a clean bill of health and to be told I’m lying at 60 that is totally bogus unreasonable and unfair If you want me to pay the premiums I missed I will do that but it seems you also unsure of the facts Don’t you have documentation that a doctor fills out instead of the Client? Does this mean that no claim will ever pay out because I considered myself good health at the time of that document being completed ?? I want to know so as to communicate this to everyone I have encouraged to take this policy to cancel it and move to Clientele who know what they are doing I asked for the reinstatement conditions none were given Metropolitan is a ***** and a lier of an insurance company Because it is not transparent when I took out this policy I was a healthly man Until my accident I’m on chronic medication now after this recent hospital stay and am told by doctors I could find myself in and out of hospital due to lung issues since the rib fracture did harm to Me

So will u never pay out on this policy if I’m hospitalised? Give me terms and conditions that you were meant to give me at reinstatement stage so I can take this up with the Ombudsman this is you treating a Client unfairly and discriminating against my knowledge of my health compared to what I am now being told after my 2nd admission to hospital I’m disgusted and angry

I demand everything in writing because this will go to the ombudsman