I am not sure about this one...
First, it has nothing to do with the airline. The ticket was non refundable. That is the reason you bought insurance.
Second, you bought insurance. You now need to abide by the terms and conditions of that insurance. When making a medical claim, having it verified by a doctor is a reasonable condition, and frankly 3 days is generous. Many require it within 24 hours.
Lastly, I assume you notified the insurance company of your pre-existing condition? Pre-existing conditions are not normally covered, so you may well have been turned down anyway.
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