National Insurance Company — less claim settled by vipul medcorp insurance tpa pvt ltd

Address:

Chandigarh, Chandigarh, 160047

On 12.3.18 i got myself operated for cataract in my left eye from mirchia laser eye clinic sco 833-34 sector 22a chandigarh. Since i did not avail cash less treatment, he charged me 40000/- excluding cost of medicines.
I submitted my claim with vipul medcorp insurance pvt ltd sci 98, industrial area chandigarh for 46103/- on 13.03.18 against their reference no. Ack[protected].
My claim has been settled for 29686 against bill of 46103/-.
Since there is difference of rs.16417/-, i enquired from vipul, they advised that we pay for cataract surgery 24000+cost of medicines.
Whereas i have been charged 40000 by mirchia laser eye clinic excluding cost of medicines.
Though i have been reimbursed in full cost of medicines but there is difference of 16000 between what mirchia laser eye clinic charged and reimbursed by vipul.
Who will reimburse me 16000/-