Confused

Wow I am so confused now, I received a response saying I could not claim for being hospitalised because the hospital failed to provide me with a hospital account as proof of hospitalisation,thats fair I understood. Now to my surprise I receive an email saying the claim was declined because I was hospitalised for less than 48 hours, I am really interested in finding out how 48 hrs is calculated according to momentum. I think I might as well cancel this.