New India Assurance — Genuine Claim Declined by Raising Hidden Rules so Injustice Noticed

I renewed our New India Assurance Co's Asha Kiran Mediclaim Policy vide No.[protected] on 20/09/2022. The Insurance Company has not provided rules and regulations along with the original policy so insurer was totally in the dark about the restrictions made in the policy. In December 22 my daughter has been diagnosed by the CMCH, Ludhiana Doctors that she had some problems swelling and stones in the Gall Blader so it is to be operated.The same topic had been discussed with NIAL and their TPA Paramount before operation and regarding payment will not be reimbursed they never said. On 7/01/2023 she had been operated in the same hospital and after her discharge and post cure period all original bills, clinical reports, prescriptions, CMCH OPD card along with duly discharged claim forms signed by me and CMCH had been deposited to NIAL at their local office Nawanshahr on 3.1.2023 for reimbursement and the amounting was around Rs 80K. Meanwhile, after attending all the queries at the time of the release of said payment they said 'MY CLAIM HAS BEEN DECLINED BY TPA PARAMOUNT. WAS NOT IT A GROSS INJUSTICE ON A HUMAN BEING WHO HAD SPENT MONEY FOR THE TREATMENT OF SIBLINGS AND WAS DEPRIVED OF NOT PAYING THE CLAIM MONEY BY RAISING SOME EXCUSES WHOSE CLARITY COULD HAVE BEEN SHARED DURING THE RENEWAL OF POLICY? I'M A LOW MIDDLE-CLASS FAMILY MAN AND BADLY FINANCIALLY BURDENED BECAUSE OF THE MANIPULATED SO-CALLED UNDISCLOSED POLICY CLAUSES AND FOR WHICH I CAME ACROSS HUGE MENTAL SHOCK. KINDLY HELP ME OUT SO THAT I CAN GET JUSTICE FOLLOWED BY MY ACTUAL REIMBURSEMENT. KINDLY TREAT IT MOST URGENT.