When a claim under major stage CI is accepted, all the future premiums are waived including the rider premium for rest of the policy term from the date of diagnosis. (comparepolicy.com)
However, the minimum interest rate on your IPA is 5 % p.a. for first 5 policy years and 1.5 % p.a. for rest of the policy term. (exidelife.in)
Now as I have mentioned if you surrender you may loose some money from this amount and if you paid up then your entire amount will be locked for rest of the policy tenure. (mydailylifetips.com)