Bad Service SANLAM

During March 2019 I app**** for Life Cover from Sanlam Life. On 4/4/2019 I was instructed by Sanlam to visit my GP for some tests as well as an ECG test and my GP did the necessary tests and inform Sanlam accordingly all negative. Sanlam insist they found a problem on the ECG test and inform me to visit a Cardiologist on my own expense. On 2/5/2019 I visited a Cardiologist who found there is nothing wrong with my heart and submit same to my GP and Sanlam. On 18/6/2019 Sanlam notified me that they have accept my risk cover - after requesting them for a refund for the expenses I had to pay for the cardiologist they refuse a refund. Now my monthly debit order is acceptable for a small cover of an amount of R300 000.00 life cover. Bad Service Sanlam . It took you 3 months to decide if you can afford it to cover me.