Paying your insurance premium regularly does not guarantee the cover up of all sorts of damage or loss that one has incurred. However, being the client of the insurance company does give you the right to appeal for the denial of the insurance.
Writing an appeal letter is one of the best ways to revise your insurance status. Make sure that you do not miss out on the full name, complete address, accurate policy number, claim number along with the date of the loss or damage.
Your reason for disagreement should be downright clear and has to be followed up by a recommendation. Do not write to them only about your own concern, help them out with the options that can be considered.
Do not become emotional while writing the letter even though you are highly likely to be angry and annoyed, keep a professional tone. Write in after a thorough homework on knowing your rights and also the facts that serve your cause.
While opening the letter, make it clear that you are appealing for the denial. Mention the treatment routine that you were following while with the same policy and also attach medical records which will help your cause.