vulva, fallopian tubes and ductal carcinoma-in-situ of the breast as defined in Clause 4 “Optional Woman’s Additional Cancer Benefit ” under Section D of this Policy . We will pay the Benefit provided the Life Assured first suffers that condition at any time after one hundred and eighty (180) days from the Policy Commencement Date shown in the Policy Schedule , or the date of any reinstatement or increase (other than Consumer Price Index Increases ). This is always subject to Clause 9 “Survival For At Least Fourteen (14) Days” below. The Reinstatement Option under Clause 17 applies to the Optional Women’s Additional Cancer Benefit, subject to the Life Assured satisfying the terms of Clause 17. The Trauma Cover Benefit may be renewed up to the anniversary of the Policy Commencement Date following the Life Assured attaining age seventy five (75). A Trauma Cover Benefit will not be paid if the Life Assured dies as a result of a Critical Illness event within the fourteen (14) day period following the date of Diagnosis of the Critical Illness event. The Policy Owner(s) may apply for an increase in the Sum Assured without further evidence of health subject to the following conditions: A We must receive a written request signed by all Policy Owner(s) within ninety (90) days of the applicable business event occurring. B
RENEWAL
8
SURVIVAL FOR AT LEAST FOURTEEN (14) DAYS
9
BUSINESS INCREASE OPTION
10
You must satisfy Us that the value of the Life Assured's financial interest is at least equal to the requested increase to the amount of cover. You must include: • A valuation of the business or valuation of the Life Assured to the business (as provided by an independent qualified accountant or business valuer); and/or • Evidence of the loan guarantee, and any other contractual or financial evidence We may request. Any increase request’s calculation method must be consistent with that adopted in the Policy application. If You do not increase Your insurance by the full amount identified in a review of insurance requirements, You may not defer the potential increase to a later review. The option to increase the Sum Assured must be exercised before the option expiry date (see Clause 11 " Expiry of Business Increase Option " below). The maximum increase in the Sum Assured for Trauma Cover will be the lesser of five (5) times the Sum Assured at the Policy Commencement Date shown in the Policy Schedule, or the stated maximum increase as indicated on the Policy Schedule . Any increase is subject to approval by Us . Any increase in the Sum Assured will require an additional Premium , the amount of which will be dependent on the current Premium Rates for the type of cover at the date the increase in Sum Assured is effected. Only one (1) increase can be made each year.
C
D
E
F G
H
BCP-TC-05/2026
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