short paid cover funeral money

have a funeral policy with Nedbank insurance for over two years, which used to be debited straight from my Nedbank account, last year December i changed my bank and called them to debit from my new bank which they never did but sent me a link pay@ to pay your premium that comes with a reference that gets generated by them and i used that since January till May, i put through a claim for my dad on the 28th and within 48hrs 51.28 % was paid to my account because they have not received payments since January, yesterday i had to send them proof that i have been paying them but my worry is if i did not have saved cash to cover what was short paid then what would have happened and till now i haven't had any communication explaining why are they implementing a system they cannot control, i am furious to the core