Your needs

Life is full of changes and surprises. We are here to give you the best financial planning solutions to fulfill your needs at different stages of your life.

Starting your career

Getting married

Having a baby

Preparing for children’s education

Changing job

Buying a home, repairing house

Planning for retirement

Accidental death and disablement protection

Ensure your life in all unexpected events

Accidents are the utmost concern of the society. The effects of loss results in much hardship. Let Manulife with the Accidental death and disablement product overcome this potential misfortune.

Benefits of Accidental death and disablement

	Accidental death: Life insured will be indemnified 100% of sum insured if death occurs within 90 days from the date of accident.
	Disablement: Life insured will be indemnified a percentage of the insured amount based on the schedule of indemnities for disablements occuring within 90 days from the date of accident.
	Permanent and total disablement: If the life insured is unable to perform any occupation or work for remuneration within 26 consecutive weeks from the date of accident, he/she will be indemnified 1% of sum insured per month until 100% of the insurance amount is clear.

Features:

	Age of entry: 20 – 59 years old
	In case there are many disabilities caused by an accident, The Company only pays for the disability with the highest cost.
	Level of sum assured for disablements

Accidental Death And Disablement Benefit	Percentage of Sum Insured
Total loss of sight in both eyes	100%
Total loss of sight in one eye	50%
Total loss of two limbs	100%
Total loss of one limb	80%
Total loss of hearing – Both ears	80%
Total loss of hearing - One ear	30%
Total loss of four fingers and thumb of either hand, total loss of all finger-joints	60%
Total loss of thumb and two finger-joints	20%
Total loss of fingers - Four digits	40%
Total loss of fingers - Three digits	30%
Total loss of toes - All-one foot	45%
Total loss of toes - One big digit, both toe-joints	15%

Manulife provides sound advice, sound decisions. For more information about Manulife products or services, Contact Us