Draining you monthly till it comes to the push

I joined their gap-cover back in 2015 as this is seen as the "wise thing to do". Since then I haven't used the facility once and I've been paying "religiously" every month included all the DRASTIC increases that came along. Their contact email address keeps changing so now when I need to use it, I send my requests to all email addresses in my history. The last email I sent to request assistance with the claim requirement with my wife's caesarian section was on Aug 24th and I have not received a single response back. Their contact number is also not useable. I'm at a loss