Flight cancellation - will travel insurance cover I tested positive for COVID-19?

I had booked a trip to USA for 14 days starting from next week. I also bought travel insurance from HDFC Ergo for 3000 rupees covering medical emergencies, trip cancellation, baggage loss etc. Unfortunately, I have to cancel the trip because I tested positive for COVID-19. My flight tickets cost 75000 and hotel booking was 80000. Will my travel insurance cover these cancellation charges? What documents do I need to submit? The policy says trip cancellation is covered but I am not sure if my reason qualifies. Has anyone claimed for trip cancellation? How much did you get reimbursed?