National Insurance Company — non justified claim settlement

Address:

Kolkata, West Bengal

I'm a mediclaim policy holder of national insurance co. For atleast 15 yrs. Policy is in the jt. Names of kamal krishna roy & debadyuti roy. Suddenly my son debadyuti fell illon 31st. March with high fever. Itried my best to recover him by treatment with my house physician but unfortunately i had to take the decision of getting him admitted to kothari medical centre as his condition was detoriated. I got him admitted to kothari medical centre under the supervision of dr. Anil malhotra on 6th april 2018. He was under the treatment of dr. Malhotra upto 11th. April 2018 & released on 11th. April 2018. Total bill amount was rs.73839.26 out of which your good office has sanctioned only rs.35000/- with hospital bed charges upto 8th april 2018 only with a doctor's note as under-
Covered for active med mgmnt upto 08/04/18. Room [protected]@2750/day for normal. Service charges to be collected from the member. Ext to rs.35000/-. Please clarify me why i'm not eligible for reimbursement upto 11th. April 2018. Only dr. Malhotra was enough competent at that momemt to release him from hospital & not we at that momemt. Then why i'll be the victim? According to your doctor's note i had no other way but to release him forcefully against the doctor's opinion.

I want a justified clarification of the incident that has happened with me with your irda rules regading this matter otherwise i'll go too far in this matter.
Please note that this is my first claim during 15- 16 yrs.

Hope i'll get a satisfactory reply in the matter.