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. • The terms and conditions of the reinstated Benefit(s) will be those which are offered by Us at the time of reinstatement . • The reinstated Benefit(s) may require an increase in Premium . The Premium will be based on the age of the Life Assured and Our Premium Rates at the time of reinstatement and will be subject to any loadings or restrictions (if any) which apply to the original Policy . • If the original Trauma Cover claim was for either Critical Cancer , Stroke (as defined in Clause 3 “ Critical Illness ” under Section D “Trauma Cover Benefit Definitions”), or a Heart Condition , a discount will apply to the Premium on the reinstated Benefit . • If this option is not exercised at either of the two occasions described above, the option to effect such covers shall lapse. • In order to exercise this option, You must sign the declaration in the Reinstatement Offer letter and return it to Us . • The reinstated Benefit(s) will not be subject to the Inflation Adjusted Benefit Option, Special Events Increase Option or the Level Indexed Benefit Option. • You cannot exercise this Reinstatement Option where a Trauma Claim payment has been made for any partial or Advance Payment . • Any special terms or exclusions that applied to the original Policy will also apply to the reinstated Benefit(s). • If the Policy Schedule shows that You had selected the Optional Women’s Additional Cancer Benefit at the time of the first Trauma Cover claim, this Benefit can be reinstated alongside the original Trauma Cover Benefit , except where You have previously had an eligible claim under the Optional Women’s Additional Cancer Benefit . • If the Policy Schedule shows You had selected the Children’s Trauma Top Up Benefit option at the time of the first Trauma Cover claim, this Benefit can be reinstated alongside the original Trauma Cover Benefit.
PC-TC-05/2026
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