• The Critical Cancer , Malignant Melanoma or Prostate Cancer claim event occurs at least twelve (12) months after the original claim event date; • arises in a different organ system as the original cancer; • is not considered by the treating oncologist as likely to be secondary of the original cancer; • is an unrelated or different type of cancer. d) Any Heart Condition if the original claim was for either a Heart Condition or Stroke (as defined in Clause 3 “Critical Illness” under Section D “Trauma Cover Benefit Definitions” below), except where the claim in respect of the reinstated Trauma Cover Benefit is for Heart Valve Replacement, Heart Valve Surgery, or Pulmonary Arterial Hypertension (Primary), and these illnesses have not previously been claimed for; and are not considered as likely to be secondary or directly resulting from the original Critical Illness. e) Stroke (as defined in Clause 3 “Critical Illness” under Section D “Trauma Cover Benefit Definitions” below) or any condition directly resulting from a Stroke, if the original claim was for a Heart Condition , except where the original claim was for Heart Valve Replacement, Heart Valve Surgery, or Pulmonary Arterial Hypertension. f) Any exclusion which applied to the original Trauma Cover Benefit . If We make future enhancements to Our Policy wordings We will pass back the enhanced benefit, feature and/or condition automatically to You. The enhanced benefit, feature and/or condition will only apply to claimable events which occur after the date We pass back the enhanced benefit, feature and/or condition to You. Any underwriting exclusion or special terms that apply to this Policy will not be altered by any enhanced benefit, feature and/or condition. This Benefit is to ensure that You are not disadvantaged as a result of the enhanced benefit, feature and/or condition. If You are inadvertently disadvantaged in anyway then the previous Policy wording will apply. If the Policy Schedule shows that You have selected the Total and Permanent Disability Benefit option, then one (1) of the following conditions will be covered under this Benefit . If the Policy Schedule shows You have selected the “any occupation” option the definition is: The Life Assured being absent from his or her immediate pre-disability Employment as a result of injury or illness for a period of three (3) consecutive months and is so disabled that in Our opinion, after consideration of medical evidence satisfactory to Us , that he or she is unlikely ever to engage in work in any occupation for reward that he or she is reasonably qualified by education, training or experience which would remunerate at a rate greater than 25% of his or her earnings over the last twelve (12) consecutive months period of employment. Or
GUARANTEED PASS BACK OF BENEFIT ENHANCEMENTS
16
TOTAL AND PERMANENT DISABILITY BENEFIT OPTION
17
A
BCP-TC-05/2026
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