Bowtie Term Critical Illness (Multiple Cover) offers a total of 5 claims, 100% sum insured each time.
Among the 38 covered critical illnesses, only Cancer, Heart Attack, and Stroke can be claimed multiple times*. Each of the other 35 covered critical illnesses can only be claimed once.
There is a 2-year waiting period for each claim.
*Claims for the Multiple Cover Benefit are subject to additional requirements:
| Cancer | A subsequent Cancer (any Cancer that has reappeared, metastasised, continued without remission, or a new primary Cancer) following any preceding Cancer claim(s) that we have paid, the Insured Person has received Active Treatment for it in the 12 months immediately prior (except for a new primary cancer). |
| Active treatment | Active treatment means Cancer directed surgery, radiotherapy, cytotoxic chemotherapy, targeted therapy or immunotherapy. It does not include any treatment given solely as palliative care or hormonal therapy. |
| Heart Attack | A subsequent Heart Attack following any preceding Heart Attack claim(s) that we have paid, demonstrates fresh diagnostic findings evidencing occurrence and diagnosis of a new event (e.g. a newly occurred and diagnosed death of a portion of heart muscle). |
| Stroke |
A subsequent Stroke following any preceding Stroke claim(s) that we have paid, demonstrates fresh diagnostic findings evidencing occurrence and diagnosis of a new event and of new or increased neurological functional impairment (e.g. a newly occurred and diagnosed cerebrovascular accident or incident). |
| Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease | If any benefit has already been paid for Heart Attack, we will not pay a Multiple Cover Benefit for any Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease. |