New India Assurance — my mediclaim is being delayed for want of declaration form from me

Address: VILLA 14, 2A, BT NAGAR, KOLAPAKKAM, CHENNAI 600128, Chennai, Tamil Nadu, 600122

Had incisional hernia on 25 dec 19. I did not go cashless due to bitter experience in july 18 for hysterectomy where i went cashless, but was sanctioned less than half of main bill amount (Paid 1 extra day charges). I got it reimbursed eventually.

This time, fearing that i will have problems with cashless, i went for reimbursement. Now they need declaration form from me stating that the insurance company will reimburse only the agreed tarriff and over and above the tarriff will not be reimbursed. This clause has not been informed to me earlier and not even when i renewed my policy in november 2019. All of a sudden, this is being cited as a requirement and thereby delaying my settlement. This is unethical i feel.