A practical question on dual policies (co-insurance)

I have 2 mediclaim policies, one from employer and another personal (say Policy A and Policy B). I claimed certain post hospitalization expenses (physiotherapy charges for physiotherapy done at home). Per policy A, only 50% amount was passed because physiotherapy was done at home and not at clinic. I got that amount. Now for 50% deduction when I go to Policy B they deny paying and said we also have 50% clause on home physiotherapy and you have already got 50% from policy A, so we will not pay this.

My question is that is it a fair practice or there is a merit in raising this to ombudsman or irda?

Please guide.