My insurance company, Universal Sompo[IOB Healthcare] has rejected my claim for reimbusement of Lucentis injection on the plea that it is an OPD treatment in spite of the certification from the hospital (Sankara Nethralaya) that this is done in Operation Theatre as an inpatient. The treatment is a costly one and the rejection seems to be arbitrary. Could you please clarify under what clause the rejection is made? A.P.Viswanathan, Chennai