Refusing to cover 6 months death benefit

My mother had a dial direct insurance cover for her cars and house hold insurance. She was hospitalized with stroke since the 18th Novembet 2019 (was paralyzed). Because of being busy with the hospital visit and caring for her, I did not activate the 6 months disabled clause to cover her during this time, monthly premiums were paid.

On the 30.03.2020 she passed away and again, because of the lockdown and funeral arrangements we did not activate the 6 months death benefit clause.

And last week I have contacted dial direct asking that they activate the death benefit which will pay out monthly insurance premiums for 6 months until my mothers estate is concluded.

They claim that, the benefit does not cover my mother as she died of natural causes. How can that be, the contract stated "death" period. Nothing is mentioned about being covered only for accidental death.