Bowtie ‘Multiple Critical Illness Insurance’ and ‘Early Stage and Multiple Cover Critical Illness Insurance’ have two different waiting periods: a 90-day waiting period after the new policy takes effect and a 2-year waiting period after each claim.

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The two different waiting periods are:

1. 90-day waiting period after the new policy takes effect: Any illnesses or conditions diagnosed or surgeries performed during this period that are related to signs and/or symptoms present during the waiting period will not be covered.
2. 2-year waiting period after each claim: This waiting period applies because both products offer multiple coverage for certain critical illnesses or surgical procedures. This means that after the first claim, each subsequent claim must be at least 2 years apart. Any illnesses diagnosed or major surgeries performed within this 2-year waiting period will not be covered.

Image Description: 2-year waiting period after each claim

*Specified critical illnesses or surgical procedures refers to where the policy clearly lists which early-stage critical illnesses and the Big 3 critical illnesses that are eligible for multiple claims.