Medi Assist India — justify claim amount

Address:

700159

I am cognizant employee and i am going to admit columbia asia hospital for gallbladder operation and estimation amount is near about 92k. After aplying i received an approved amount of 40k.
Now none of the mediassist person are able to clarify the amount on what basis i am getting this much amount.
After waiting for long time they are picking up phone or some times that also not occuring.
In our official portal it's mentioned if the amount is below 1lakh then medibuddy will pay the full amount. But after that i came to know all will be calculated based on bed charge.
If bed charge is 2500 all the amount will vary based on that charge.
Now one medi assist employee is telling within 2500 bed, doctors charge for one day all will be included.
So what's the actual calculation.
All the medibuddy employee are not having any knowledge but they are serving people.
I want proper justification on what basis i am getting the amount.