Personal Accident Plans

My father was hit by a car and the following sequence of events preceded. <br> <br> 1. Subsequent to the accident, while in hospital suffers a stoke <br> 2. Then, Chronic renal failure <br> 3. And a variety of infections that compromised his health and lead to his death, while in hospital.<br> <br> Contacted standard bank regarding the accidental claim and I was told that, because the death certificate states natural causes, then the policy cannot cover for the loss of life. <br>