New India Assurance — claim reimbursement

Address:

Aurangabad, Maharashtra, 431001

I had submitted all documents for claim settlement but still it is refused which i don't understand.
They ask for doctor certificate stating need of hospitalization & total nursing chart & it was submitted.
Still after doctors statement as need of hospitalization claim was repudiate saying reason not required hospitalization.
So its doctors decision or insurance company decision which i don't understand.
Policy no.150405/34/17/04/00000034
Claim id mdi3561255