• Loss of use of Limbs and Sight of one eye • Multiple Sclerosis • Permanent Loss of Hearing .
For any of the other covered conditions (set out in Section D, Clause 3), the date the Benefit is eligible to be reinstated will be based on a twelve (12) months wait period from the date the Accelerated Trauma Cover claim was paid. The Life Cover will be based on the age of the Life Assured and Our Premium Rates at the time, and will be subject to any loadings or restrictions (if any) which apply to this Policy . The Life Cover will not be eligible for the Inflation Adjusted Benefit option or Business Increase Option or the Level Indexed Benefit Option. No reinstated Life Cover Benefit is payable: • within six (6) months (for the conditions listed above that require a six (6) month wait period); or • within twelve (12) months (for any other covered conditions set out in Section D, Clause 3), from the accelerated Trauma Cover Benefit claim payment date, other than for Accidental Death . If the option to effect Life Cover with Us under the Buyback Life Benefit has not been exercised in the manner and at the times specified above, the option to effect such cover shall lapse. This option is also available in the event of an Angioplasty claim being made.
In order to exercise this option, the Policy Owner(s) must make the request in writing to Us .
REINSTATEMENT OPTION
15
What is the Reinstatement Option?
If the Policy Schedule shows You have selected the Reinstatement Option, You may reinstate the Trauma Cover Benefit and where applicable, the Optional Women’s Additional Cancer Benefit with Us under a Policy or Policies , without needing to provide evidence of health of the Life Assured , for a sum assured not exceeding 100% of the claim amount paid under the Trauma Cover Benefit . You may reinstate the Trauma Cover Benefit : • within 60 days of the Trauma Cover claim payment; or • within 60 days of the first anniversary of the Trauma Cover claim payment. What conditions apply to cover reinstated under the Reinstatement Option? • The reinstated Benefit(s) will be issued based on the information provided at the time You exercise the option, together with the information provided in the original application.
BCP-TC-05/2026
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