The policy pays out on diagnosis of listed conditions of heart ailments or cancer, irrespective of the stage of the disease (Early or late). If it is a minor condition, the policy pays out 25% of the cover amount and continues it’s cover till the policy term. If unfortunately, the disease affects the policy holder again in a major way (any major condition), it pays out the rest 75% to the policy holder and the policy terminates. In case of a major condition, the policy pays out 100% of the cover amount as lump sum upon diagnosis.