Family Health Plan [Fhpl] — claim settlement

Claim id - 2709853. The claim limit is rs.5 lacs. I had undergone surgery for sleep apnea in first week on dec'19. I had raised claim for rs.292976 with insurance company by mid dec'19 with all the medical & hospital bills. Firstly they settled the payment with delay of more than 2 months and secondly they have deducted approx. Rs.66500 towards (Rs.57500/- not payable septoplasty charges; rs.9000/- not payable coblator charges;) and settled only rs, 224558. This information was never available to me. This is not acceptable. The balance deducted amount needs to be paid as this was not a cosmetic surgery and even if multiple surgeries were performed, it was done in one go. Please help.