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Premier Income Benefit

Manulife Premier Income Benefit Disability Protection Insurance

How we got you covered?

Regular income to ease financial burden

Monthly benefit will be paid after the waiting period1 if the life insured suffers from severe or totally disability after the waiting period2,3

Premium Waiver Benefit

The premiums for this supplementary benefit will be waived while the total disability benefit is being paid.

Partial refund if no claim is made

Receive 80% of the total annual premiumthat you’ve paid during every 10-year period if no claims have been made.

Guaranteed renewal up to age 65

To ensure continuous coverage, this supplementary benefit offers guaranteed renewal for the life insured up to age 65.

Additional service

Provides you with International Medical Assistancewhile you’re traveling abroad.



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    We will respond within two business days to forms submitted at or before 10:00am each business day. For example, if you submit this form at or before 10:00am on a Monday, we will respond by Tuesday. Forms submitted after 10:00am on a Monday will receive a response by Wednesday.

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    Premier Income Benefit is an insurance product (supplementary benefits) provided and underwritten by Manulife (International) Limited (incorporated in Bermuda with limited liability). 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.

    1. Waiting period means the number of days before we pay total disability benefit. The waiting period begins on the first day that the life insured is totally or severely disabled. Please see the provision for the exact definition of waiting period.
    2. After we have paid the total disability benefit for 24 months, in the event of mental disorder, the life insured will have to continue confine in a hospital before eligible for further benefits.
    3. If the life insured is eligible to receive other money due to the injury, sickness or mental disorder causing their total 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, the life insured’s employer and any worker’s compensation, social services or similar law.
    4. Even if the actual premium payment mode is not yearly, ‘annual premium’ means the premium you need to pay each year as if you have chosen the yearly mode of premium payment, and that your policy is issued based on the standard occupation-class rating and no medical loading has been applied to your policy.
    5. 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. 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.
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