I feel you bro. Can't say much but a family member had to go through surgery for congenital issue. The insurance agent added the family member a year later than required so we were in the cool down period and the claim got rejected. Cost me over 3 lacs but I am happy to have the family member operated and back home.
It is a minor set back and I pray to god that you and your family to get the strength and will to leave all of this behind you and enjoy the 1st day of the rest of your long lives.