Rs 35L health cover, but 76 year-old’s Rs 3.87L claim rejected; what happened next

A woman held two health insurance policies - the first provided a sum insured of Rs 10 lakh against a premium of Rs 96,673. The second carried a sum insured of Rs 25 lakh and involved an additional premium of Rs 54,499. During her hospitalisation, a cashless claim request was submitted to the insurance company. The cashless request was not approved, with the reason communicated being insufficiency or non-submission of the requisite documents.