Disability Income Protector
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Important Note
Disability Income Benefit 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
- Waiting period means the number of days before we pay total disability benefit, severe disability benefit or hospital income benefit. The waiting period begins on the first day that the life insured is totally or severely disabled or has to stay in hospital. Different waiting periods may apply to different benefits under the policy. The waiting period for residual disability benefit is the same as for total disability benefit.
- We will not pay two or more of the total disability benefit, severe disability benefit, residual disability benefit and hospital income benefit at the same time. After we have paid the total disability or severe disability benefit for 24 months, as a result of mental disorder, the life insured will have to stay in a hospital to continue to be eligible for further benefits.
- If the life insured is eligible to receive other money due to the injury, sickness or mental disorder causing their total, severe or residual disability, we will reduce the amount we pay to an amount which, together with the other money due, will not be more than 85% of what the life insured earned before. This other money will include regular payments or lump-sum payments, from any other sickness or accident insurance policy.
- You will need to pay an extra premium each time when the inflation protector option is exercised. The extra premium will be based on the age of the life insured and the premium rate (we may change the premium rate from time to time), at the time the option is exercised. Inflation protector option is only available if the policy is issued with standard premium. Please see the policy provision for details.
- The international medical assistance is provided by a third party service provider which is an independent contractor and is not our agent. We shall make no representation, warranty or undertaking as to any services given by the service providers. The services may change from time to time. Please see our company website (https://www.manulife.com.hk) for the latest Emergency Assistance Benefits Provisions for the terms and conditions of this service.
- We will not increase the disability income benefit under the claim escalator benefit if the injury, sickness or mental disorder existed before the effective date of this optional benefit, unless you told us about them or any other condition, and we accepted them or such other condition on or before the effective date of or the date we reinstated this optional benefit, as the case may be.
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