Medi Assist India — Claim amount not approved claim of 22959780

Recently my mother admitted for covid, hospital comes under network hospital list. After admission they gave estimate of 1337500 rs and mediassist approved 75000 ₹. At the time discharge the hospital gave claim of ₹177906 the mediassist approved only 50000₹. If I ask for details, they didn't provided clearly. If the medical insurance provider can't able to give atleast 50% of claim from amount then what is need for medical insurance. Y we have to pay for that. How we are thinking we are safe if we put medical insurance. Instead we can save the money n spend. At last we have to spend our own money. For this of disease whether the approved amount is ok before approving that just keep yourself in that place. don't use the word cashless.