The Maha Raksha Supreme plan gives you the benefit of receiving 50% of the basic sum assured, if the policyholder is diagnosed with terminal illness. This is possible through the in-built Payout Accelerator benefit. That said, the Death Benefit under the policy is automatically reduced by the amount paid under the Payout Accelerator benefit.
Additionally, you can also increase the cover at a later date, during future milestone events, such as your marriage, or the birth of your child. This can be done through the Life Stage Plus option, and you won�t have to go through the trouble of a fresh medical check-up either.