United India Insurance Company [UIIC] — the company is not ready pay as per written terms conditions

Address:

Ahmedabad, Gujarat, 382424

I am customer o[censored]nited india insurance company ltd since march 2011. I have never claimed till date.
Now, i want to know, if i claim for 'cataract operations' then 'what is limit of claim amount?'

As per mentioned terms conditions in policy for 'cataract operations', the company has to pay 75000 rs (25% of sum insured-300000), but after 8 continuous years,
When i interacted with agent and the tpa of company, they said, the company has fixed amount 24000 rs per eye (48000 rs).
It's simply big fraud by company.