Labour Law & Hr Consultant

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Dear Seniors,
One of our employee (Pvt Limited - Manufacturing Comapny at Pune ) died on 17th September, 2016 due to Dengue in Hospital He was 34 years old without any medical history. He had home loan insurance of HDFC Ergo. Due to his death we have claimed for his Home Loan Insuance which is rejected by the HDFC Ergo stating reason that Dengue is not covered under Crical Illness as well as Accident Category.
He was also covered under GPA policy as per TPA Dengue death is not accident so not covered so insurance under GPA can not be claimed.
Can we take help of below case to file case in Consume Court Pune? If you have any second opinion please advice.
Death due to mosquito bite an accident, says Consumer Disputes Commission | The Indian Express

Seniors, Can you please put some light on the subject matter?
Dear Prashanth,
It will not be possible to give a suitable answer to your query unless what is stated in the Policy Note is known. Whether the policy issued by the HDFC Ergo covers natural death or only death arising out of any accident?

Sir, Policy covers accidental death and critical illnesses only.
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