Momentum (SA) - worst insurance for being medical unfit

I was boarded by the company I worked for. Since as medically boarded, I app**** for for my claim to be paid out since I am not fit to work at all. I can not sit or stand longer for a few minutes. They denied my claim and said I am not in a wheel chair or lost a leg. I have to lie down most of the time and can not work at all. Be care full taking out any insurance from them. They only have excuses not to pay out your claim.