New India Assurance — new india asha kiran policy critical care benefit - need information

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Chennai, Tamil Nadu, 600100

My friend have asha kiran policy and he admitted in hospital due to chest pain and after diagnosis seems left ventricular failure (When the heart is unable to pump sufficiently to maintain blood flow to meet the body's needs) he stayed in icu more than 24 hours hospitalization and finally he dead
In that asha kiran policy there is critical care benefit for heart attack for 10 % sum assured other than claim
The insurance agent and policy underwriter not opening their mouth to tell this benefit.. We came to know after reading prospectus. How to proceed further??