Consumer Redressal

i am a mediclaim policy holder from last 5yrs from I.T.G.I. self,wife & daughter is covered under the one policy. i renewed the policy without any lapse. In Dec12 i have been blessed with girl.i applied for reimbursement of maternity bill, (that too with great difficulty ,today email is recieved informing that that out of Rs.71,558/- Rs.61,558 will be deducted due to maternity limit? plz note that the procedure is required due to her bad condition & therefore consultant strongly recommends for the same. hope you agreed that expenses incurred were reasonable. here i would like to mention that couple of years back under the same policy reimbursement is being made. without any deductions. moreover i am not in receipt of any written,oral,verbal communication from your end on the procedure cap in policy cover,than how could this injustice can be done to me?