MTN Insurance dragging

I submitted a claim to MTN Insurance on 27 January. My phone screen goes black when i am indoors but functions outside. MTN keeps asking for an assessment from Samsung when i pay for insurance for this particular reason. i then get told it will take 7 to 14 working days to again get feedback when it has already been a month. i have been paying for this Insurance for 3 years. what is the point of paying for insurance.