what are customers paying Insurance for?

In November 2019 I took Personal Loan with Nedbank and my application was successful. I paid my loan without fail until August 2020. On the 30 June 2020 to 24 July 2020 when I was hospitalized at Mediclinic ICU due to Covid 19. I was then referred to Vereeniging Care Cure from 24 July to 28 August 2020 for further treatment as I could not walk or do anything for myself. I sent all the proof of Covid results to Nedbank that I was hospitalized and discharged with oxygen to use from home. I reported that I am unable to work thinking that the Insurance money is being deducted with the instalment and that the Insurance must will me when I am in trouble. I was handed over my to Daly Incorporated to collect the money from me. I know that I owe Nedbank and I am not refusing to pay. I sent proof that I do not have income at the moment as I am still not working and still having a dispute with my Employer and I have a pending case at the

Labour Court and that Employer Unity Incorporation have stopped my salary while I was still hospitalized in August 2020. they also wanted to stop the Medical Aid while I still in hospital but Union intervened. The Medical was paid and the salary was stopped. Daly Incorporated called me and tell me the Summons will be issued against me even if I was sending proof that I am still not working and I am waiting for my pending case to sit at the Labour Court. The Summons were issued with case no. 2133/2022. My account reference number is ***4. Account no. ***.

My problem is that the Insurance we paying does not assist even if you in trouble. Please assist me as I am frustrated and sick. I am still suffering from Covid complications.

Matshediso Annah Ndhlovu