If the insured is diagnosed with an early stage cancer, 50% of the sum insured is paid immediately. Thereafter, if the cancer progresses to a major or advanced stage, another 100% of the sum insured is paid irrespective of the 50% already paid. This results in a claim of 150% of the sum insured. Moreover, if the insured is diagnosed with advanced stage cancer, the pay-out is 150% of the sum insured.