RUDE CLAIMS MANAGER & COMPANY SELLS LIES!

I can not begin to explain the horrific service I have received from these people, worst it was from a claims manager, Bjorn Leyds, who is so rude and clearly has no respect for his clients. In Feb this year my passed away and was a member of Stratum, I was advised that since she was a member, I could claim on behalf of my sister who is 10 years old because she under my moms medical aid and gap cover, for two benefits: 1. Gap cover waiver for 6 months 2. medical aid waiver for 6 months. Today, 23 September 2019 after sending them e-mails since 2 September 2019, was rudely told that I could not claim for the next 3 months of medical aid waiver that was not paid but approved initially because I cancelled the gap cover waiver benefit which was covered from Mar - Aug 2019 because they had started to debit my account. Mind you when I did request to cancel no one advised me that this would now also cancel the medical aid waiver. The medical aid waiver was supposed to be from Jun - Nov 2019, they only paid for 3 months Jun - Aug 2019 and they told me to send through in Sep an updated medical aid certificate to show that the medical aid was active and they would then pay out the remaining 3 months. This Bjorn was rude telling me about the wording of their policy and said that the policy holder should know that. I told him that policy holder is late and I was in no position of this policy nor was I advised of this. I was boiling because he didn't care and had no empathy, he was just repeating what policy stated and what the policy holder should. Stratum has so called benefits for late members dependents however they don't payout and the dependent who dont have the money must continue to pay the cover in order for them to enjoy a benefit, to me that is a whole load of ****! I am appalled by your service!!!!!!!!!!!!