Flight cancellation - will travel insurance cover my father fell seriously ill?

I had booked a trip to USA for 7 days starting from next month. I also bought travel insurance from Reliance Travel for 2000 rupees covering medical emergencies, trip cancellation, baggage loss etc. Unfortunately, I have to cancel the trip because my father fell seriously ill. My flight tickets cost 100000 and hotel booking was 50000. 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?