Oneplan doesn't pay

I have been with one plan for two years and unfortunately my experience has been less than ideal. When I initially took out One Plan, they seemed too good to be true. After noticing a wound on my cats neck in the late evening of 14th July, I called my vet and I was advised to admit my pet, Pippin early the next morning when they open. I admitted my pet on the 15th of July and before I did I phoned authorisations at 7h37 to get authorisation for money to be put in my oneplan debit card to pay for admission. I was informed that my One Plan debit card was only for day-to-day benefits which is not what was promised to me when I initially bought the plan. The gentleman did say that I need to submit an invoice for it to be reviewed within 48 hours when claims department opens and if approved would be paid. Again not what I was promised. On the 16th July, when I fetched my pet and was presented with a bill, I phoned one plan again and said I have the bill now: please can you authorise to pay vet directly and I was told that they would go to the authorisations and review for payment. Nobody got back to me until Monday. Then Heather from claims asked me for proof of payment to show that I paid and I’m claiming. I never took out one plan to pay and claim otherwise I would have opted for another insurance. I phoned in on 18th July 11h16, spoke to an agent and explained that I was told one plan would pay the vet directly and I was told by the agent to tell Heather that I don’t have the funds to pay and if oneplan can pay directly. Heather then tells me that there’s a minimum of R500 excess to pay. Again when I took the initial plan I was told on a recorded line that excess would be 10% of the bill after a six-month period. Then Heather from claims, embarrasses me with my vet and tells them that I don’t have funds to pay for the bill and asks if they can pay directly only R275.10 (total bill R775.10). It is now the 28th July 2022 and no payment has been made. I tried calling to speak to someone from claims, complaints or a manager but apparently they all don’t have direct phone lines. Due to breach of telephonic contract, bad faith and refusal to pay a claim, I requested for immediate contract termination where no payment is deducted for August, and my final claim to be paid in full however I have still had no response, no confirmation of cancelation and my account was still deducted for August 2022. I would like to reimbursed my R500 plus R275.10 so I can pay the remaining amount to the vet, my last premium that was deducted plus at least 3-6 months premiums back for bad faith and lack of service provided.