New India Assurance — denial of claim 14872164 under 670500/34/17/04/00000006 employees

The denial clause/s with description is/are not mentioned in the denial mail of claim. However as per "policy transparency" it should be as below:

"employees are expected to maintain transparency in their communication with the customers. Repudiation letters shall not be cursory, but shall elaborate the reasons on why a claim could not be entertained. Should the customer request to know why any settlement falls short of his claim, the company has an obligation to explain the difference, including providing a copy of the survey report, which incidentally, is a right under the policyholders’ rights."

Kindly elaborate he reasons on why the subject claim can not be entertained.