Tata AIG Insurance — Denial of Claim due to incorrect reasoning

Claim id[protected] /policy number [protected]/00941949

I had submitted a cashless claim against the aforementioned insurance policy number and the insurer(Tata AIG) denied the claim stating that pregnancy is not covered as part of the insurance which I understand and agree. However my wife's treatment was for an ailment which had nothing to do with pregnancy. It was during her treatment she was diagnosed that she is also pregnant. I also furnished a letter from the doctor where she clearly stated that the ailment is unrelated to pregnancy. These are separate issues and my wife's surgery was no way related to pregnancy. But the insurer still wants to deny the claim. My issue is that if the insurer would not even trust the doctor and want to deny or accept claims based on their whims and fancies then what is the point of furnishing any documents for treatment to any insurer rather please with them that is they can accept the claim and they can, if in a good mood, accept the claim otherwise anyways they always can deny claims at their discretion without any consequences