I am quite confused, what’s the difference between a standard CI insurance and a multiplier CI insurance? Is it the same?

Hi Anon, the older CI policies are a single claim options. Claim once, policy pays and usually ends and done.

A multi claim CI policy (which is what I assume you're referring to), provides the option to claim for multiple conditions across all stages of CI. And after 1 claim it doesn't end and covers you till the policy term expires.

They are also more expensive to compensate for the extra risk and chance to claim multiple times.