When you are diagnosed with any of the conditions listed in your policy document.
Yes, you can only be paid 100% (100% in total for the accelerated PHP) of the insured amount for each condition covered under your policy. The stand-alone cover remains in force for unrelated conditions for which you can continue to claim should an unrelated event occur. The event paid for will be excluded from future claims if paid at 100% of the benefit.
It is the degree of severity of illness your illness based on the definitions in the PPS Provider Policy or you can refer to your Policy Certificate and Policy document for these criteria.
This will be based on the assessment of the medical information submitted by your doctor against the definitions/degree of each level as defined in your Policy document.
Claims will only be paid under the CATCHALL COVER if the life insured suffers a serious medical or physical condition that is permanent and unlikely to change in spite of further medical or surgical treatment and is not listed in any other benefit categories. To quality for this benefit, you have to score between 5 and 10 points on the PPS Functional ability table. The award, which pays in tiers of 50%, 75% and 100%, will depend on the Functional ability score obtained.