Religare Health Insurance — genuine claim got rejected after giving all the proofs

Hi, Health insurance is meant for helping financially to insured in critical times that is suffering from illness requiring hospitalization for more than 24 hours, but not for rejection. It may be noted that thought Opd treatment is not covered in any health policy, all hospital treatments are not of opd ones, in such cases it is not enough to say particular treatment is opd one, no claim can be allowed unless documentary evidence is provided for in writing.
in most cases treating doctor is deciding hospitalization depending on nature of disease. In case of insurer has not settled the claim, you may approach insurance ombudsman, where in decision will betaken whether contention of insurer is right or wrong based on documents provided by both the parties.