Star Health And Allied Insurance — fraud for approval for claim

Address: Bhiwani, Haryana, 127306

I krishan kumar my policy number p/161111/01/2018/004398 i have taken a insurance policy in your insurance company star health and allied insurance company limited for my family. At time of taking insurance policy no terms and conditions are given to us and no policy details are given. We are using the insurance policy first time. On17/08/2018
My son praveen sharma whose i'd number[protected]. He had stomach pain on 17/08/2018 and in emergency zone in lotus hospital in gurgaon sec-12, near bus stand, then they admitted him in emergency ward and started the treatment and after all the treatments and diagnosis.in ultrasound and urine reports they said that the patient having 2 stones in intestine of 5.7mm and
Second one of 4.6mm. After sharing details by hospital department to insurance company then after 24 hours star health surveyer taken a survey and after some hours star health replied and rejected the claim approval. I don't know why they rejected.

I have to say that this is totally fraud for me that no claim approval done and before and after taking insurance policy no one told us the terms and conditions for time limits. I want to say this is totally fraud and the star health taken two or three amounts of rupees 15693.