Continuous Trauma Benefit

• A maximum of four full Trauma Benefit claims (or equivalent partial claims) can be paid.

• You can claim again immediately, provided the claim isn’t related to the first claim or from the same condition group as the condition you’ve already claimed on.

• Additional claims made on cardiovascular, cancer or any other covered condition that gave rise to your initial claim will be subject to a stand-down period.

• Four Partial or Diagnosis Benefit claims are the equivalent of one Full Trauma Benefit claim.

• Once either a Full Trauma Benefit, Partial Benefit or Diagnosis has been paid, the Continuous Trauma Cover cannot be increased under the Life Events Benefit.

• Guaranteed Insurability is not available if Continuous Trauma is on a policy.

• Continuous Trauma expires after the full sum insured has been claimed four times.

• If you choose Continuous Trauma on an accelerated Trauma cover policy, your Trauma Cover is initially limited to no more than 25% of the Life Cover sum insured, so we can ensure you’ll be able to claim up to four times the sum insured. Once the cover is in place, increasing or decreasing your Life Cover and Trauma Cover sums insured is allowed but may impact the number of claims that can be made. See your policy wording for more information.

If you claim on one of our 47 covered Trauma conditions, you can claim again for a different covered condition immediately, provided it isn’t related to the first claim or from the same condition group as the condition you’ve already claimed on.

Additional claims made on cardiovascular, cancer or any other covered condition that gave rise to your initial claim will be subject to the following stand-downs:

• Cardiovascular Trauma Conditions:
  If you claim for one of the conditions in the cardiovascular list of conditions such as a heart attack, you can claim again for a condition in that list after 36 months.

• Cancer Trauma Conditions:
  If you claim for cancer, you can claim again for another cancer after just 24 months.

• Any other covered condition that gave rise to a claim:
  If you claim for any other covered condition, you can claim again for the same condition after 12 months. You can only claim once for Total and Permanent Disability, Loss of Independent Existence and Terminal Illness.