My insurance company failed to authorized coverage and treatment. Is there anything I can do?

You should analyze the reason why they have not authorized payment. Refer to policy document as well as medical document. If it is not covered in policy then you can not do anything. If it is covered under the policy, you have the following options:

1. Take up the matter with the branch office.
2. Lodge grievance with the Head Office of the Insurance Company.
3. Lodge your grievance on website of Insurance Foundation of India.
4. Go to Insurance Ombudsman.
5. Go to consumer forum.