What happens if I make a claim for the same sickness or injury as a previous claim?
For the Disability Benefit, you can claim the 1 or 2-year maximum benefit period per claim and cannot claim again for the same disability unless you have made a full recovery between claims. If you do not make a full recovery and have not been paid for the full benefit period, we may treat the claim as recurring and continue your benefit without applying the waiting period again. However, if you suffer from the same sickness or injury and your last monthly benefit was paid more than 6 months ago, it will be treated as a new claim and the waiting period will apply.
For the Redundancy Benefit, the maximum benefit period is 3 months for any one claim while you are involuntarily unemployed. The maximum benefit claimable for any insured person is 12 months over the life of the policy.