Pay OUT MY CLAIM. ****med, paid R384 for only a R8300 payout for a phone.

I am so disappointed with this company. You cannot call them anywhere. They do not reply and their agents are not being helpful. I am still waiting for my payout since I logged in a claim on Monday. I was insured for R17500 compensation limit for an iPhone 11. I have been paying for almost four month, I started at a R168 premium and this year in Feb, the increased my premium to R384 ( which is way expensive that what other people are paying on the same item with the same insurance company). I was overpaying and no explanation was given to me. What’s worse is that now when i claimed for my phone, they only told me they will only pay R8300 and i have to pay R1770 excess. All this time I thought I am getting R17500 as my contract says my compensation limit is R17500 (which I’m paying R384). They took so long to reply I had to buy a new phone because I could not communicate with them without my phone and my old number, now I asked for a payout snd no feedback. Even their complaints department does not reply. I am very frustrated because I was paying a lot of money and only to be told I cannot even be compensated with the R17500 that i was paying for. I feel so ****med and no one to reach out to. They don’t even reply to their WhatsApp and app. I want my payout. The claim has been “approved “ but nothing is happening. Please explain to me how I can pay R384 for only getting R8300?

I need a reply ASAP please!!!!!!!!!!!!!

My premiums kept increasing while my compensation limit stayed the same. Now they won’t even pay for that compensation limit?