Last year below claim 25000/- for 2nd birth rejected by clause

UHID : RGIC.0000553064
Name: Saraswati Das
Age : 32 Years
Policy No : 2404392812100002
Policy Period:20 Jul 2009 To 03 Apr 2010
Group :Electrosteel Integrated Ltd

This year claim 8000/- for family planning operation rejected by clauses

Claim Status : Rejected
Claim ID is : 37940/1

Patient Details
Patient Name Saraswati Das Main Mem Name Sushanta S Das
Uhid No 498511 Main Uhid No 498508
Age 32 Organisation Electrosteel Integrated Ltd
Relation Wife Branch Electrosteel Integrated Ltd

Claim Details
Hospital Name Surgy Centre Maternity Cum Nursing Home Admission Date 02 Jul 2010
Address Dhanbad Discharge Date 03 Jul 2010
Diagnosis laparoscopy. Claim recieved Date 23 Jul 2010
Claimed Amount 8014 Claim Type MR
Settled Amount 0 Settled Date
Reason (a) Maternity benefit after 2 living children is not covered as per norms of the policy. Hence we regret to inform that your claim is repudiated under clause 5.15 (C). (b) Sterilisation & Voluntary MTP is also not covered.

Cheque Details
Cheque No Cheque Date
Cheque Amount 0 Payee Name
Bank Name Address

Service Name Billed Amount Sanctioned Amount Disallowd Reason
Room Rent Related 8014 0

When I demanded clause list they refuse to give.