United India Insurance Company [UIIC] — pre hospitalisation period not always mandatory

Address:

Mumbai City, Maharashtra, 400056

We want to cover pre hospitalisation period from 1st oct 2019 for the surgery (Re cornea graft) done on 4th nov 2019, since we were waiting for the organ donor from 1st oct 2019 and, the pre hospitalisation bill is the only bill dated 1st oct 2019 with the 'advice for admission to hospital' and original investigation reports apart from medicines.in simple words, the break up is:
1st oct 2019 — advice for surgery bill amount 1200rs/-
1st oct 2019 — sonography reports bill amount 1500rs/-
11th oct 2019- medicine (Refresh liquigel eye drops) bill amount 148/-
4th oct 2019- corneal graft re surgery 80000rs/-
4th oct 2019- medicines 1537rs/-

As per the insurance company rule, they mentioned that only one month pre-hospital bills will be covered, hence they are not ready to cover the bills of 1st oct 2019.
I request, since the bills are directly in concern with the surgery with circumstantial evidence and that there are no major pre hospital bills attached, the insurance firm must cover the bills dated 1st october 2019.