Can the benefit be paid in anticipation of the surgery?

The benefit cannot be paid before the surgery takes place. It cannot be paid in anticipation of the surgery. Claims can be entertained only after the surgery takes place. The amount of benefit is independent of the cost of surgery. It is not intended to help to pay for the surgery, but rather to provide a lump sum of money to be disposed off as deemed fit by the claimant who gets it. The life insured may use it for post-operative care, or to recoup part of the cost of surgery, or in any other way he wants