Don't worry about it,
First of all, the insurance company promised to pay 3 thousand yuan, which shows that it really belongs to the insurance responsibility.
Secondly, the reason why they pay less is untenable. It is normal for children to be injured, and the insurance company should pay for it after recovery.
Finally, you follow the following treatment.
(1) first negotiate with the insurance company, remember not to get excited, pay attention to keep evidence, recordings and documents. If negotiation fails, it shall be settled in the second way as follows.
② Go to the CIRC to handle complaints, submit relevant evidence, and let the CIRC be the coordinator. If the problem is not solved, please refer to ③.
(3) Collect evidence, ask a lawyer to go to court to file a lawsuit and win the case,
Insurance is not cheap, but post-service is the truth.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.