Old Mutual claims, way too long awaiting for approval

Very disappointing when it comes to approval of a claim. For the past months my dad's claim is still awaiting for approval. We pay for policies so in an event of an emergency we know that we are covered. My dad is surviving with one lung and that one lung is giving up. All medications we have to buy privately because the hospital is not prepared to waste the medications on a dying man. The medications we have to buy privately are very expensive. We put a claim through as my dad has a Disability and illness benefit. It's been way over months now and 1 one the policies have not been paid out. How can Old Mutual pay for 1 policy and not the other. Old Mutual needs to send the assessor to our home so he can see my dad's health condition and hes unable to work and earn an income. When will my dad get his payout, when he's dead and too late? Seems like it's a big ****, all sweet talk to take a policy but when it's time to payout, they just delay and don't respond hoping people will back down. I personally don't advise anyone to take out a disability or illness benefits.