For the Sickness and Injury cover, you can claim the 6, 12, 24 or 60 months claim benefit period per claim and cannot claim again for the same sickness or injury 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. There is a maximum claim benefit period of 2 years in total over the life of the policy for mental health related conditions.