Family Health Plan [Fhpl] — Incorrect information and claim amount disallowed on maternity claim

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My wife was diagnosed with UTI infection in her 6th week of pregnancy, so was admitted for antibiotics and blood transfusion. Total bill came was around 1 lakh 30 thousand. But they only cleared 50k saying that's maternity limit.

But as per policy benefits of Insurer, it’s clearly mentioned “INR 50, 000 for Normal Delivery and INR 60, 000 for C-Section” under maternity limit, there is nothing mentioned like "illness diagnosed during pregnancy will be treated under this cap".

I raised this claim in March 2021, but after regular followup they didnt provide me with correct information where it's mentioned that cap limit for illness is covered under maternity.
They just responded UTI is "very common in pregnancy",
but these guys dont't know i guess that UTI do happens to non pregnant women as well.

Now because of some complications, we went for abortion which costed us nearly 40k. Again they rejected my claim saying maternity limit has been exhausted.

They disallowed my total amount of 1 Lakh giving this ### excuse.

I never thought FHPL will turn out to be such a big fraud, they just want to irritate there CUSTOMERs for months and later find a reason how they can skip from paying claimed amount.

Claim ID: 3252617