Global Hospitals Group — refund of deposit amount

Address:

Mumbai City, Maharashtra

The insurance claim number is[protected]. My grandfather mr. Hiralal kedia was admitted in the global hospital, parel. The hospital has taken deposit of rs. 15, 000 stating that the amount will be refunded within 15 working days. It has been more than 7 months, still i haven't received the refund despite regular followups.
Hospital says that insurance company hasn't settled their bills yet. If this is the case then what is the use of paying premium for a mediclaim policy?