Worst service

I would like to lodge a complaint against my gap policy; I submitted a claim in October for an incident that happened in September. The service received was terrible also the company changed the policy terms and conditions, and I was not updated or sent updated policy documents advising of changes to new exclusions on the policy. When I accepted the policy in 2019, I was not advised that ward or theatres costs won’t be included or covered under my gap cover. I only received policy documents when I submitted the claim. I also claimed in august for an incident with my daughter being treated in the trauma unit for a major cut that resulted in her getting stitches and was told in august it wouldn’t be covered. But when I called to enquire on my recent claim for my incident that I experienced a miscarriage on the 12th of September 2025 I was then told they have settled my previous claim and are making payment of plus minis R200. I logged a complaint with the manager and the complaints department at gap, and they have just told me its not covered as per the new updated exclusions. I’m not happy with this decision as this isn’t treating clients fairly or being transparent in their exclusions. I was not notified of any new exclusions, I was only aware that should I be admitted in hospital and if my medical aid doesn’t cover hospital or doctors’ full costs it will be covered by the gap cover.