Unprofessional service and claim process dragging

Horrible experience with Claim process.

I have been with iMakamu Funerals since 2022, paying my premiums on time all the time, now when i need to claim for my brothers funeral im told my cover has lapsed just because i was paying on a later date than the one originally set. I went to their help desk small office in Phumula to check if my cover is up to date, the lady there said i am only 1 month behind and can make payment right away, after she told me i was behind by one month only, i did make payment before the passing of my brother but i was still told that i will not be covered. I have been paying R470.00 Monthly from 2022 and only one month and i cannot bury my brother, i was told i will need to pay the sum of R23 000.00 to get their services. I kept going to the offices in Alrode because the Hospital that he passed away at (Thelle Mogoerane ) kept delaying the release of the body and when i went there no one bothered to check if i am still covered and according to my Knowledge i was covered because that is what the Lady at the Phumula offices told me. I am Irate and frustrated. If my Policy Lapsed why did they continue taking my premiums? If the policy was behind why did i not get notified by them in writting? What about grace period?

I would not Recommend iMakamu to anyone!! They are the Worst