What is the probability that someone will get critical illness more than once (Can be different type of critical illness affected)?

Hi anon,

If you are referring to repeated recurrence, I personally have a friend who had brain cancer, which return three times (the last round killed him at the age of 33). But that's just probably how cancer 'works'. In fact, I dare say that this kind of recurrence is probably there for stroke and heart attack as well. Medical studies will probably document these facts. And having said that, cancer is the single most commonly claimed condition when it comes to CI. We all have, at some point or another, heard about someone whose cancer 'came back'.

If you are talking about getting two different CI, that is less common. I've yet to personally know someone who was diagnosed with two different CI, although I have heard stories of such.

Coming back to your point on coverage, raising the multiplier to x5 would provide a single large payout, and if you don't utilize it all, you can keep the rest of the money aside. Having said that, you won't be able to make another claim after that. Furthermore, if you have already bought the policy, you can't change the multiplier already. You may want to do a hybrid of having a low/moderate multiplier, and add on multipay coverage if you have concerns about recurrent CI. If you'd rather just take a single payout, then a higher multiplier makes sense.

Understand your concerns first, and then you will be able to decide which type of plan would suit you.

Hi,

Imagine a healthy plate....

Basic critical illness is the main course of a meal, early critical illness is the ice cream and multi-pay critical illness is a privilege to refill your plate if needed.

Early detection means that there is higher chance of recovery. Patients also realise that one can be unlucky to have multiple strikes of critical illness. For example, many colon cancer patients go on to contract liver cancer.

So the question is how much is enough?

Before buying a critical illness plan, check your family's medical history. For example, if family members have a high incidence of cancer, you might want to look into multi-pay plans as cancer is something that can recur.

Just my thought.

Feel free to connect with me (email in Bio).

Thank you.​​​