Can I challenge my insurance claim rejection due to emergencies?

Dear Sir/Madam, I am seeking your legal advice regarding my health insurance claim, which has recently been rejected by my insurance company. My mother faced a critical health condition, and due to the severity of her condition and the lack of nearby medical facilities, I sought treatment at a smaller hospital close to my residence. The nearest larger hospital was over 150 kilometres away, and travelling such a distance under the circumstances was not feasible. The insurance company rejected my claim on the grounds that the hospital where I received treatment does not meet the size requirements stipulated in the policy terms and conditions. I had no alternative due to the emergency situation. Is the insurance company justified in rejecting my claim based on the hospital size criteria, despite the emergency circumstances and lack of nearby alternatives? Do I have grounds to legally challenge the insurance company's decision, and if so, what would the process entail? Thank you for your assistance.