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"Disability Protector"
"Disability Protector" protects you against disability as a result of accident or illness with the best financial support. You can take your time for recovery without worries.
Period
2 years, 5 years or up to age 65
Issue age
Aged 18 - 55
You can buy this from
Your Financial Consultant
- The plan is designed for people aged from 18 - 55
- Different benefit period of 2 years, 5 years or up to age 65 to suit your needs
- Monthly disability income will be payable for disability caused by accident or illness after the waiting period
- The Rehabilitation Benefit will be provided during your rehabilitation employment
- Compassionate Death Benefit will be payable in the unfortunate event of death
Product Feature
Total Disability Benefit
Total Disability Benefit
If the insured sustains total disability as a result of illness or as a result of injury which commences within 30 days of the accident, we will pay to the insured the Monthly Benefit until the earliest of (i) the cessation of total disability, or (ii) the expiration of the Maximum Benefit Period which you have selected.
Rehabilitation Benefit
Rehabilitation Benefit
If, immediately following a period of total disability for which benefits are payable under this plan, the insured engages in rehabilitative employment, we will continue to pay to the insured the Monthly Benefit for the period the insured is so employed but not to exceed 24 months.
Waiver of Premium
Waiver of Premium
After a Total Disability Benefit has been paid for a period of 6 months while this plan is in force, the company will waive the payment of any premium becoming due during any further continuous period of total disability for which benefits are payable. The premiums paid by you during the first 6 months of total disability will also be refunded when we accept proof of total disability.
Death Benefit
Death Benefit
If the Insured dies whilst not totally disabled, the death benefit is equal to the 3 times the Monthly Benefit. If the Insured dies whilst totally disabled, the death benefit is equal to the 3 times the Monthly Benefit, less the aggregate of any benefits already paid in respect of the insured’s total disability.
Remarks
1. Definition of total disability - the continuous inability of the insured as a result of injury or illness, to perform each and every duty of his regular occupation during the first two years of disability, and thereafter, to perform any gainful occupation for which he is reasonably suited by education, training or experience. Total disability will be deemed not to apply in any period during which the insured is engaged in any occupation for wage or profit.
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Common Tools
The above product summary is for reference only. For more details on the product, please refer to the policy terms and benefits.
If you are interested in this product, please contact your insurance consultant.
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