Both ‘Bowtie Multiple Critical Illness Insurance’ and ‘Bowtie Early Stage and Multiple Cover Critical Illness Insurance’ offer "Multiple Coverage," providing up to five payouts for the three major critical illnesses (cancer, heart attack, and stroke), with a 2-year waiting period between each payout. However, there are slight differences in the payout structure. The former provides a 100% sum insured payout for each claim, while the latter's payout amount may be affected by "Early Stage Critical Illness" claims (20% of sum insured) and waiting periods (2 years).

Learn More👇🏻 Click here to learn about the differences in "Multiple Coverage" under Bowtie Early Stage Multiple Critical Illness Insurance.

Under Bowtie Multiple Critical Illness Insurance, all other covered critical illnesses besides the three major ones are eligible for a single claim.

Claim Requirements for "Multiple Coverage" under Bowtie Multiple Critical Illness Insurance
The insured person must meet the following conditions to be eligible for multiple payouts:

1. Heart Attack
   If you have received a critical illness payout for a heart attack, any subsequent heart attack claim must be for a newly diagnosed and newly occurring event, and you must provide new diagnostic evidence.
2. Stroke
   If you have received a critical illness payout for a stroke, any subsequent stroke claim must be for a newly diagnosed and newly occurring event that results in new or more severe neurological deficits, and you must provide new diagnostic evidence.
3. Cancer
   If you have received a critical illness payout for cancer, any subsequent cancer claim must be for:
   • A new cancer diagnosed after the previous cancer claim, or any cancer that has reappeared, metastasised, continued without remission;
   • If the subsequent cancer claim is for recurrence, metastasis, or continuation that has not been in complete remission, the insured person must have received active treatment^ within 12 months prior to the payable date; and
   • The cancer must have existed on or after the end of the Multiple Critical Illness Benefit waiting period.

Exclusions for "Multiple Coverage" under Bowtie Multiple Critical Illness Insurance

• Any critical illness or major surgical procedure for which a Critical Illness Benefit or Multiple Critical Illness Benefit has already been paid, except for cancer, heart attack, and stroke;
• Any critical illness or major surgical procedure (excluding cancer) that, in the opinion of a registered specialist approved by us, is related to a condition for which a Critical Illness Benefit or Multiple Critical Illness Benefit has already been paid, and such critical illness or major surgical procedure: 
  • Is caused by a complication of the condition for which a benefit has been paid; or 
  • Is related to the condition for which a benefit has been paid; or 
  • Is caused by the condition for which a benefit has been paid; or
  • Is treatment for the condition for which a benefit has been paid.
• Any critical illness diagnosed or major surgical procedure performed during the Multiple Critical Illness Benefit waiting period, except for subsequent cancer.
• If we have paid a benefit for a heart attack, the Multiple Critical Illness Benefit will not cover any subsequent coronary artery bypass surgery or other serious coronary artery disease.

Important Notes for "Multiple Coverage" under Bowtie Multiple Critical Illness Insurance
The above situations are subject to a 2-year Multiple Coverage waiting period. Here are some examples:

^Active Treatment: Includes surgery, radiotherapy, cytotoxic chemotherapy, targeted therapy, or immunotherapy for cancer. It does not include any treatment given solely for palliative care or hormonal therapy.