SBI General Insurance — against mediclaim insurance claim

Address:

Mumbai City, Maharashtra, 400034

Dear sir
I have medclaim policy of sbi insurance gernarl. I have filed documents for claim. Because one day i am felt on gym with any disease. So when my family contact doctor and doctor suggest for hospitalisation. After that when i filed the paper to insurance company at paramount health services & insurance tpa private limited they have checked and after 10 day they issue deficiancy letter and after 3-4 days again we submit the documents. Again they demand some documents which is not mention in deficiacy letter but we have given. This process done in 30 days and after 30 days they mail meyour claim is repudiation letter for claim no. 3584927. Now after 30 days demanding all documents they mail me like this. Also what we assume... It means when i stage of death that i have permission to hostpitalize??

I am paying yearly premium 16175... And this this type if reply i am received is correct??? My claim value is 41, 614/-