MSC Musica - Refund for medical reasons

My daughter and I were unable to cruise on Friday 10th Jan 2025 because my general practitioner suspected DVT, I have been recently suffering with one swollen ankle. I have called several times for my no show refund which is about R2900 (Only Port & Services), and they keep promising to send me details yet I have not received anything. MSC is quick to charge for everything yet hold on to our money. I was told that i can claim from hollard. Lets see how it goes