Sanlam Living benefits (severe illness policy of R820 montly )for Top Proffesionals in a ***** to ***** from consumers

I have a top life cover for professionals with Sanlam Living and it has a standalone severe policy included and a retirement annuity. I was conviced by my broker who I have a relationship with since 2007 when I was still a Momentum Client. The products were so good and because of my long standing relationship with my broker over the years I thought why not join the Sanlam family. I submitted a claim as I was admitted to ICU and Sanlam has rejected the claim. I confirmed receiving their communication after 3 weeks . However, both my broker and I disagree that they are rejecting the claim solely on the basis of the myomectomy operation , as I also underwent five other procedures (laparoscopy, laparotomy, hysteroscopy, myomectomy, and bronchoscopy) during this illness, which resulted in a comatose state requiring mechanical ventilation for 94 hours between 15 May 2022 and 18 May 2023. I stayed in ICU up to the 27th of May 2023 when I was discharged. Consequently, Sanlam decision to deny the severe claim is biased and in conflict with the claws stipulated in the contract terms and conditions. Why do insurance companies always dont want to deliver on their promises to us consumers? Its disgusting and you should not in this profession since you dont leave up to your empty promises.