United India Insurance Company [UIIC] — insufficient claim amount

I have gold individual health policy. Which no is [protected]p[protected]. My sum insured is 100000. As per my policy i claim 70% of the sum insured. But i got less then 30% of my claim. My expenses is rs.47000 but i got only 21000 in my golstone surgury. Why i got too much insafficient money. Plese give resons. I also give company my post and pre hospitalization details and give company my original documents. Pre and post hospitalizan expences is rs.12000 but company only paid rs 6000. My actula expences is rs 59000 but company only give me 27000. Why the amount is too poor. Plese give the reson and send me the blance amount as soon as poissable