You can make multiple claims for the life of this policy and you can cancel the policy at any time with 30 days written notice with no penalty clauses.

A multiple claim is when you claim more than once on your insurance for accident, sickness or unemployment. However to make a mulitiple claim you must return to work for a period of time between claims. Please see below:

Accident and Sickness claims:

• Once we have paid the maximum number of 12 monthly benefit payments, you must return to work for 6 months before you can claim incapacity for a condition unrelated to your 'most previous' claim.
• If you return to work for less than 3 months and need to make a claim for the same condition, this will be treated as the same claim.

Unemployment claims:

• Once we have paid the maximum number of 12 monthly benefit payments, you must return to work continuously for at least 6 months before you can make another claim for unemployment.