Failure to payout cash for claim

I have been a loyal and good customer to Momentum for over 15 years. Ive paid my premiums every month for 15 years. When I finally make a claim now theres an issue. 1st of all I never received any updates or communication for a week after I logged my claim. I sent 2 emails to follow up with no response. I emailed Fiona Saib and Omphemetse Mokgwe and got no response. Then when I called in to get feedback on my claim I was told my claim was appoved, but I would receive a card or voucher to repurchase a similar item. I have never ever in my life heard of something like that. When a claim is made the insured amount should be deposited into my account so that I can purchase a new one. What madness is this voucher system? My phone has been discontinued, so I cannot purchase another one with a voucher. I have to use sites like Gumtree or Facebook Marketplace to look for one. How will I purchase it with a voucher? I need the cash deposited into my account please. South Africans STAY AWAY from Momentum insure, they dont want to pay when it comes to claim stage. Stay away from Momentum Insure guys!!!