Payout dissatisfaction

I have got a pmd policy ref no LL ********** 15 for my parents for about 8 years now initially when I took out the policy it was R32500 with waiting periods of 3 years for existing conditions, i then in 2015 upgraded the policy to 70000 my mum has passed away on the 31st of March 2019 I submitted my claim one week after my mum had passed away, it was such a difficult task to get all required documents as prime meridian needed my mother's local clinic file i had to personally go to the clinic and wait for 2 days to get the clinic to release the file at a cost of R620 where I paid my myself and pmd refunded me to speed up the process as pmd was not getting any joy from the clinic, please note the inconvenience of my time as pmd was not able to obtain the file, on the 2nd May I received a message to say Simone Erasmus will be handling my claim, all documents have now been submitted to pmd, I then was contacted by Simone Erasmus yest to confirm that all documents are in order however only R32500 will be paid out as my mum had high blood pressure in 2014 prior to the upgrade time of 2015, at the time of the upgrade why wernt the necessary doctors reports requested this is now extremely unfair as I was under no impression that my mum had high blood pressure my premiums were paid every month according to my knowledge my mum did not receive pressure medication regularly, we are not aware of the problems that may occur after, the policy has been taken out such a long time ago even if my mum had high blood pressure the waiting periods are long over, I have endured a very difficult year and now the inconvenience pmd has put me through, I have had this policy for such a long time all waiting periods should have long passed now, I honestly feel ********** by pmd as my premiums were paid and now excuses are being made to not pay out the full amount, no calls are received during the duration of the policy to declare any illnesses or sicknesses however claim time becomes a problem, this has been a very painstaking task for me as with dealing with the loss of my mum and now to deal with claim as I thought that my policy was in good hands. As a loyal customer I feel extremely dissatisfied with the service there is no remorse from your staff and pmd cannot even obtain necessary documents on their own how *********** is their service after approximately 8 long years of taking the policy this is now extremely unfair to bring about disclosure of illnesses as waiting periods have long exceeded, I am not accepting the payout of R32500 and i will go to all forms of social media to expose pmd for the horrible service.