Airtel — airtel secure plan - scam

Sir/mam,
This is regarding a scam which airtel india is running through airtel secure plan where they have tie up with oneassist insurance company. I was paying 79 rs monthly to secure my iphone 6s 64gb handset from any accidental/liquid damage. On 26th september, 2017 my phone had got liquid damage and i raised the claim but they say it has been rejected due to improper handling. What is improper handling? I did not deliberately put it in water. They are just mincing money and looting us. Please read all the reviews on internet about this plan and oneassist. Not a single claim done by them.