Take Care Personal Accident Plan/Benefit 2
How has our personal accident insurance got you covered?
Important Note
Take Care Personal Accident Plan/Benefit 2 is an insurance product provided and underwritten by Manulife (International) Limited. The above provides only general information on this product for your reference only. Please download the product leaflet now or ask your Insurance/Financial Advisor for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.
Remarks
- We will pay the accidental death benefit or loss of use or dismemberment benefit if the bodily injury results in death or loss of use or dismemberment of the life insured within 180 days from the date of the accident.
- We will pay up to 100% of notional amount (for Take Care Personal Accident Plan 2) or protection amount (for Take Care Personal Accident Benefit 2) in total for any claim of accidental death benefit, loss of use or dismemberment benefit and total disablement benefit, excluding renewal bonus.
- If the life insured is left-handed, we will swap round the percentage for the various disabilities of the right hand and left hand under the loss of use or dismemberment benefit.
- We will pay the total disablement benefit if the bodily injury results in total disablement of the life insured within 180 days from the date of the accident and the benefit will start after the disability has continued for 12 months in a row. For Take Care Personal Accident Benefit 2 (supplementary benefit), we will not pay this benefit if the life insured is aged 15 or below on the date of the accident.
- We will pay the medical indemnity benefit for the charges and expenses incurred as a result of injury caused by an accident within 365 days from the date of accident (or within 2 weeks from the date of accident for medically necessary emergency dental treatment). This benefit will be paid for reasonable and customary charges incurred for medically necessary treatments, subject to the medical indemnity benefit limit per accident, and the maximum reimbursement amounts per visit and per policy year respectively. Please refer to the ‘Important Product Information’ section in the product leaflet for the definitions of ‘reasonable and customary’ and ‘medically necessary’ and see the policy provisions for the definitions, terms and conditions.
- The renewal bonus will be applicable starting from the policy anniversary immediately after the plan has been effective for 12 months.
- International medical assistance and Mainland China hospital admission guarantee benefit are provided by a third party service provider which is an independent contractor and is not our agent. We will make no representation, warranty or undertaking as to the availability of any medical opinions by the medical service provider nor any services given by the service providers. The services may change from time to time. Please visit our company website (https://www.manulife.com.hk) for the latest emergency assistance benefits provisions and Mainland China hospital admission guarantee benefit provisions for the terms and conditions of the services. Relevant hospital list (if applicable) may change from time to time.
- The life insured is required to fully settle the medical expenses including the hospital admission deposit guaranteed by the service provider while being discharged from hospital.
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