Multiple Claims

You can make multiple claims for the life of this policy, that can continue up to retirement age (65 yrs) or until you decide to cancel your policy. You can cancel your policy at any time with one months notice and there are no penalty clauses.

A multiple claim is when you claim more than once on your insurance for Accident, Sickness or Unemployment. However to make a mulitiple claim you must return to work for a period of time between claims, please see below:

Accident and Sickness claims:

• Must return to work for 1 month before you can claim Incapacity for a condition unrelated to your most previous claim.
• Must return to work for 6 months before you can make another claim for incapacity for a condition that relates to your most previous claim.
• If you return to work for less than 6 months and need to make a claim for the same condition, this will be treated as the same claim providing you have not recieved the maximum benefit payable under your policy.

Unemployment claims:

• Must return to work continuously for at least 6 months before you can make another claim for unemployment.
• If the period of unemployment is seperated by 6 consecutive months or less this shall be treated as one continuous claim provided you have not recieved you total monthly benefit.