How multiple conditions are covered under Progressive Care When your policy begins, the amount of cover in each of the five categories is the same. As you claim for a condition, the amount reduces only for that category. The strength of Progressive Care means after you make an initial claim (First Claim), you could then make future claims if your condition becomes worse or you suffer from a more severe related condition (Related Claim), or if you suffer from an unrelated condition (Unrelated Claim). First claim If a claim is paid under a specific category, the insurance remaining within that category decreases by the claim payment amount. If you receive a 100% claim payment, the insurance for that particular category is exhausted. However, the amount of cover for all other categories remains unaffected.
For example, if you are diagnosed with malignant melanoma that meets the criteria for Severity Level 4, you’ll receive a payment of 25% under the Cancer Category and the sum assured for that category will reduce by the amount paid. The sum assured for other categories continues at 100%.
HEART AND ARTERIES
BRAIN AND NERVES
LOSS OF FUNCTION
OTHER HEALTH EVENTS
CANCER
25%
L4 SEVERITY
75% left
100% left
100% left
100% left
100% left
Related claims If your medical condition worsens or you suffer from a related medical condition, you could claim again. The severity level must be higher than the preceding related claim. In these cases, the claim payment is based on increase in the severity*.
For example, if your condition worsens and the melanoma progresses to metastatic skin cancer that meets the criteria for Severity Level 1, it will be treated as a related claim and you’ll receive a 75% claim payment being the balance remaining under the Cancer Category. *Subject to cover being available within the category.
HEART AND ARTERIES
BRAIN AND NERVES
LOSS OF FUNCTION
OTHER HEALTH EVENTS
CANCER
25%
75% L1 SEVERITY
0% left
100% left
100% left
100% left
100% left
Unrelated claims When you suffer a medical condition unrelated to previous claims.
HEART AND ARTERIES
BRAIN AND NERVES
LOSS OF FUNCTION
OTHER HEALTH EVENTS
For example, a year later you suffer a stroke that meets the criteria for Severity Level 4. As the stroke is unrelated to cancer, you could claim again and receive a 25% claim payment under the Brain and Nerves Category.
CANCER
25%
L4 SEVERITY
0% left
100% left
75% left
100% left
100% left
Trauma Insurance
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