IFFCO Tokio General Insurance — Not giving claim, Playing Tricks for not to pay

Address:

A151/A Shri Ram Enclave, Gurgaon

I am having an insurance form Iffico Tokio – This is group insurance.

As a Non-Medical professional I am wring below complaint to IFFCO TOKYO Company

My Wife had a problem on 8th Dec, 2021 and become un conscious..
In hurry we approach to near hospital, at this Time in emergency She is unable to speak, and breathing.

So based on symptoms Doctor Start investigation and check ECG, or some test. It became series to overrule doubts if any.
Anyway based on Doctor experience doctor recommended some test and do treatments, As see feeling very week in even walking so doctor advised some Vitamins test also,
Now When claim raised to Insurance company IFFICO TOKIO deny to Few test and procedures.

Comment was this test is irrelevant to hospitalization cause.

I want to said this if these test is not relevant – why Insurance company advised it at Final billing, same time How they can JUDGE it is non relevant.
Before Final diagnosis of Illness – Doctor MAY did some symbolic test to Check the real problem. But once Final problem find it is IFFCO Tokyo style to Run Away from His responsibility.
It is not expectable at all.
My General reason is as below –
-1, To Judge actual problem some test need to conduct, How treatment doctor can predict actual problem without doing such test?
-2, If Your team is too smart – why not inform Treating doctor to which test Only?
-3, How you can Judge easily – Which is not relevant.
-4, What ever test cost you deduct- Infect nearly all test result came Negative. Means no body checked the reports.
-5, How you Can Grantee that it is not relevant with admission illness.

This Company Always running fort not to pay.