No service from Old Mutual

Old Mutual responded to my previous complaint but after revisiting the case, decided that their decision stands not to pay my medical costs after my fall at the Spar at Oak Glen. I am still struggling with a finger that didn't heal properly and I am convinced I have the right to compensation. Again they didn't explain why the management of the Spar wasn't responsible for an unusual hazardous situation on their premises or give reasons for how they got to their decision. Moreover they point me to an ombudsman, knowing that he can't do anything for me as I am not the insured one, the Spar is.