when will I receive my refund

I have a funeral cover with Sanlam iCover recently amended my cover from R20 000 to R30 000 and monthly payment was R219 now its R306.00. last month they deducted twice, called on the 04 June to enquire on the transection and a consulted advise that I will receive a refund of R219 during the cause of the week but I never receive anything. on Friday the 15 I then called again enquiring on my refund the consultant advise that his noting this as an important matter I will receive my refund on Monday. Today its Tuesday still have not received my refund. my question is when the time comes for I to lodge a claim against my cover will I received the burial money in time, if they take too much time for a refund.