Unpaid Death Claims - Nonsense Process

Yooooooh I feel for people who took out policies with this company. When I took out the policy I was not working but because I was expecting my second child and didn't have any cover elsewhere I signed up with them. In February I lost my father and called the Unlimited to put it a claim. I kept being sent back and forth between different consultants and the whole process took more than the 48hr process they promise when you sign up. After I think a month they told me that I had to submit medical records from the hospital since my father was admitted. I had to drive back to Kwazulu Natal to get those documents and was even charged +R350 for that medical report, which to this day I don't understand why they didn't request it themselves from the hospital. I then submitted the records to them and it took another two plus months to get feedback from them. I then called and they said they would call me again but then the consultant told me that my father's claim would not be paid out because he was sick. I had the policy for more than two years before my father got sick and was admitted. For them to just use this delaying tactics and that time I had to borrow money to bury my father and now they tell me this bulls....t nonsense that they wont pay. This is just a **** insurance, DO NOT TAKE COVER WITH THEM and I'm going to cancel it since its not going to work for me in future