For early-stage and intermediate-stage critical illnesses, we will only pay once for each critical illness. if the person insured is diagnosed again with the same early-stage or intermediate-stage critical illness, we will not pay a claim for that critical illness again.
However, if the person insured is thereafter diagnosed with an early-stage and intermediate-stage critical illness unrelated to the first claim, we will pay for this subsequent condition, provided there is a remaining balance of the rider sum insured.
If there is a remaining sum insured and there is a claim for late-stage for the same critical illness, we will pay the remaining benefit.
Please refer to the policy contract for more information.
Are there any exceptions to the above rule?
Yes, only for a cancer diagnosis. We will admit a subsequent claim for carcinoma in situ (CIS) or early-stage and intermediate-stage cancer, provided the second cancer condition is in a different organ or site, and the prevailing maximum payout limit per life for early-stage or intermediate-stage critical illness claims has not been exceeded.