How are the annual and lifetime benefit limits of Bowtie Cancer Fighter calculated?

Bowtie Cancer Fighter has three Lifetime Benefit Limit options: HK$1 million (Cancer Fighter 100), HK$2 million (Cancer Fighter 200) and HK$3 million (Cancer Fighter 300). If you are insured with Cancer Fighter 200 or Cancer Fighter 300, starting from the date when the insured cancer is first diagnosed, regardless of whether the cancer has recovered or not, the plan can provide a maximum protection amount of HK$1 million every 3 years until the cumulative benefit reaches lifetime protection. This is designed to provide adequate coverage in the event that the same cancer recurs or another cancer is diagnosed.

However, with the Cancer Fighter 100, there is no reset of the sum insured every 3 years.