I completely understand your frustration — dealing with a claim denial for a genuine emergency is exhausting. Since you’ve already tried the Ombudsman, be sure to file a formal complaint with IRDAI’s Bima Bharosa system.

If that fails, a consumer court case is a solid next step; many people win compensation plus interest there. Maintain a consistent and organized approach for every email and document. Don't give up yet — staying persistent with the regulator and legal routes usually yields results.

There is no need to keep this account active, as you will be required to maintain a minimum balance. You currently have two active accounts; hence, there is no need to maintain this account unnecessarily since this one will not provide any kind of advantage.

It’s very unfortunate that your insurance provider is rejecting your claim. Just do one thing, provide a complete appeal to your insurance provider, with all the necessary documents (medical test reports, prescriptions, medical bills, etc.).

If still they are rejecting your claim then, write an email with all the documents (policy purchase documents, payment proofs) and send to IRDAI. It is responsible for regulating the insurance industry in India.