According to a recent survey, many of those diagnosed with critical illness have the intention to purchase another critical illness insurance plan for fear of recurrence, but insurance companies are unable to accept them as the risks are far too high.
The good news is that critical illness plans have evolved and there are plans that now offer multiple claims from the same policy, even after an initial successful claim for a critical illness. Some of these plans pay for recurrences of cancer while others will pay out should there be a diagnosis of another non-related critical illness.
This guide provides a comparison of the different features in some of the multiple claim critical illness plans including:
- Maximum Sum Assured
- Claim Limit
- Coverage Term
- Death Benefit
- Special Benefits
- Early Critical Illness Claim Limit
- Severe Stage Critical Illness Claim Limit
- Subsequent unrelated sever critical illness claim
- Re-diagnosis of Cancer
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