Beware Standard Bank Life Severe Illness Policy Claims

I have been battling since end of July to have a severe illness policy pay out after being diagnosed with cancer (Policy number P ********** 002). All my premiums are up to date. All medical information has been sent to Standard Bank. The policy is for R100 000. Apparently it must now be reviewed to see whether I qualify for the payment and if so for how much. Surely if you take out insurance for R100 000 and you are diagnosed with a severe illness, proved by reports from VARIOUS doctors with histology reports, certified bank statements of 6 months, certified ID and the whole pedigree you require while I’m in hospital receiving chemo, there shouldn’t be a problem. I have spoken to various people. I was advised that everything is in order the claim is just being processed. Now a month later I follow up and is advised that there is information missing. My partner tried to resolve this on my behalf but was told that Standard Bank is not “trying to catch me out” (REALLY! – So unprofessional). They need to speak to me first before she can handle it, after they already spoke to me before I handed her the phone as I was still recovering from my chemo treatment the previous week. I’m not sure whether you are waiting for me to die in order not to pay the claim? I took this insurance to assist with the medical bills in an event like this. The bills are coming in daily, yet Standard bank is waiting for better days. I really don’t understand… I take out insurance for R100 000 for severe illness, I pay monthly and my premiums are up to date, I get diagnosed with cancer (so I don’t have to be caught out) – proved by various reports, doctors, specialists, etc., I send all required information, I have to fight for my payment! WHAT?????????????????