False advertising / Poor customer service

My husband has been a client of MTN for many years. When we upgraded his phone the last time we were told to take the insurance on the phone through MTN just in case. Connie Mayiyane at MTN the Glen told us take the INS15000 for R 140 per month and that should something happen then he can get a replacement up to that value. Last week his Samsung S4 got ******, we completed the claim forms and submitted it. Finally we get hold of Patrick Mfelang at MTN Insurance. Only to find out that according to him we only insured for R 6247.12 ? Which is not what we paid for as per your point 3 of your Equipment Insurance Policy it states: In the event of loss or damage of the equipment the maximum amount payable by the Insurer shall be limited to the maximum amount stated on the application. When my husband enquired if he can get another Samsung S4 Patrick told him that it has been discontinued, That should he want to get the Samsung S6 he has to pay in Two Thousand odd rand. That's its not covered by the insurance? Why should we have to pay in when we are insured ???? I understand paying the R 350 excess.