Medi Assist India — Insurance claim denied

Address:Mumbai City, Maharashtra

I have parental insurance taken via my company JP Morgan Services India Ltd. Howeve, recently when my mother got admitted to hospital for hypoglycaemia, they denied the claim saying - "As per the submitted documents, patient was admitted for ? hypoglycemia in k/c/o DM, hypertension, dyslipidemia on 16/08/15 and discharged on 20/08/15. On scrutiny of the claim documents, it was found that all its vitals were within normal limit. Also, oral tablets were given during hospitilisation. No active line of treatment given to the patient. Hospitilisation not justified in this case. Hence the claim stands denied under clause 1.0." Don't understand how they can reject the claim, wherein I had a doctors letter advising her to take to the hospital as her sugar level was going down. My mother was unconscious & the doctor who had come to check her advised to move her to hospital as she was not able to move her limbs and sugar level dropping by. On taking to the hospital emergency ward, her sugar level had dropped further (to 106) form what was observed at home (it was 155). My mom is diabetic and was taking insulin twice, along with GLimisave M2 (before meals - twice), Glucobay M25(thrice in a day) and Lipaglyn (in the morning after breakfast). On admission, doctor immediately stopped insulin and Glucobay M25 and observed her for next 4 days continuously checking her sugar levels. There was a definite line of treatment so I don't understand how can they reject with the above reason. Dr. Pardiwala advised then to keep the sugar level a little on the higher side, because that can be controlled, however such sudden drop of low sugar levels may have adverse effect on brain and her heart and is very risky for her health. Does the insurance company wanted me to wait for my mother's sugar level to drop to 40 - 50 and then hospitalize her . Luckily we reached in time to hospital to avoid further dropping of sugar level. I tried to reach out to Medi Assist team on mails, phone but they are not reverting. Please help me.
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