New India Assurance — mediclaim claim

Address: Chennai, Tamil Nadu

A person has been taking mediclaim policy for rs.1, 50, 000/-for the past 20years. 5 years ago he had a by pass heart surgery and made claim which was settled. The policy was due in nov 2018 which was renewed to rs.2, 00, 000. Increase by rs.50, 000/- as it was the rule of new india assurance to have a minimum amount of rs. 2, 00, 000/. He underwent surgery in dec 2018 for rs 1, 65, 000/- but his settlement was made for rs., 127, 000/-. He made a claim of rs
22, 000/-in november 2018. The claim was settled assuming assured rs.1, 50, 000/-rs.50, 000/- added was not as per his wish, but new india assurance rule. Kindly let me know as to why rs.50, 000/- was not added. It was the rule of new india assurance. Please clarify