If while the contract is in force, but not until at least six months have elapsed since the commencement of the contract, it has been diagnosed that a policyholder has suffered from or developed one of the major diseases defined hereunder, the company will pay to the policyholder a lump sum equal to the BENEFIT AMOUNT of CRITICAL ILLNESS (CI) which will be 50% of Sum Assured but not over Tk. 10,00,000.00 (ten lac). The benefit is admissible once only in a lifetime for an Insured. The following diseases are covered: 1) Cancer (excluding Skin Cancer) 2) Myocardial Infarction/Heart Attack 3) Stroke 4) Coronary Artery Surgery (Coronary Artery Bypass Surgery) 5) Kidney Failure 6) Multiple Sclerosis 7) Paralysis 8) Major Organ Transplantation.