Dear Same thing happen with me last year , i lose my job with credit card dent of 10,000 QAR.
i went to insurance and they said we cannot give you clearance unless you settle all payment or wait for insurance.
OR you pay now and once the insurance claim will be approved we will transfer it to your account. I pay it and later only 40 % was approved and was credited to my account. this insurance took around 2.5 months.