The details of the products and conditions of the insurance contract

Manulife SokSabay

Sok Khodom 2.5 

Subject of insurance

Manulife សុខសប្បាយ (សុខសុដុម 2.5) is an insurance products that provides personal accident coverage in case the life insured dies or suffers from total permanent disability or suffers from dismemberment due to accident.

1.     Eligible

• Policy Owner: 18 - 65 Years

2.    Premium Payment

• Premium Payment

These are described under place of payment on the Insurance Certificate.

The premium is paid on the Annual Mode. Semi-annual, Monthly and quarterly modes shall be available upon special request from the Policyowner. The Company reserves the rights to accept or decline the request.     

All Premium shall be paid to the Company on or before the Premium Due Date by the method specified by the Company. 

• Grace Period

Not Applicable

•Policy Reinstatement

Not Applicable

3.    Insurance Benefits

សុខដុម (ALL ACCIDENT BENEFITS)

·       Death or Total Permanent Disability Benefit due to all type of accident

Subject to this Policy’s provisions, the Company shall pay the Death or Total Permanent Disability Benefit in the event of the Life Insured’s death or total permanent disability due to all type of accident, whichever happens first, upon receipt of acceptable proof and approval by the Company that the Life Insured’s death or total permanent disability meets the definition of Death or Total Permanent Disability Caused by Accident described below. The Death Benefit proceed will be paid to the beneficiary while the Total Permanent Disability Benefit proceed will be paid to the Life Insured. If there is an endorsement to exclude the Death Benefit or Total Permanent Disability Benefit Caused by all type Accident under this Policy, such benefit shall not be paid.

The proceeds from the Accidental Death Benefit or Accidental Total Permanent Disability Benefit shall be: 

•          The amount specified on the Insurance Certificate or as subsequently endorsed on the Policy, less 

•          Any outstanding premiums with accrued interest, less

•          Any Accidental Dismemberment benefit payment (if any)

Confirmation of Total Disability must be made by our appointed registered medical practitioner/physician/doctor. The opinion of this registered medical practitioner/ physician/ doctor will be binding on the Life Insured and the Company. For physical loss of limbs, this confirmation can be made at any time.

4.    Exclusion

No Benefit will be payable under this Provision, if the occurrence of the insured event results directly or indirectly, in whole or in part, from any of the following:

• The Life Insured committed suicide or attempted suicide or any self-inflicted injury, whether the Life Insured is sane or insane.  
• The Life Insured’s death, disability or dismemberment results directly or indirectly from a committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured or Beneficiary. Beneficiaries not involved in the aforementioned criminal activity will remain eligible to receive their benefits. 
• Any unprescribed drug, alcoholic substance, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled. 
• Any loss sustained by the Life Insured while resisting arrest by a law enforcement officer or violation of alcohol intake and/or speed limits as prescribed by the applicable traffic law at the time of accident. 
• Bodily or mental infirmity or illness or disease of any kind or any infection, other than infections occurring simultaneously with and in consequence of an accidental wound.
• Engaging in or taking part in driving or riding in any kind of race, underwater activities or other hazardous pursuit such as mountaineering or potholing or parachuting or bungee jumping.
• Exclusion – Hazardous sports and high-risk Occupations for សុខដុម benefit: Courier/Messenger/Deliveryman using motorcycle (two wheels)
• When the insured have 2 or more occupations, where either one or more belong to the non-covered occupation list, and the incident happened while performing his duty under a non-covered occupation.
• War or any act of war, whether declared or not, riot, insurrection, civil commotion, strikes, terrorist activities, whether, or not the Life Insured was participating therein.
• Pre-existing Conditions which originated before the later of​​ the Policy Year Date. A “Pre-existing Condition" is a disability which was observed checked, diagnosed, or treated, or occurred prior to a certain date.

5.    Free Look Period

Not Applicable

6.    Dispute Mediation

•Complaint Procedures

Any complaint received will be resolved or provided clarification to the complainant within five (5) working days to determine the root cause and the appropriate course of action in accordance with regulatory requirements and the Company’s standard operating procedures.

•Dispute Resolutions

For any dispute arising in relation to the conduct of insurance business, the disputing parties may bring the case to the Insurance Regulator of Cambodia for mediation before filing a lawsuit to arbitration or a competent court, except a criminal case

7.    Incontestability

Not Applicable

8.    Termination

The policyowner has right to terminate this policy at any time during coverage period of the policy by sending a written request to the company adhere to the original policy contract or insurance certificate. After the company receives a request to terminate the policy, the policy contract will be terminated. 

9.    How to claim

Are you looking for how to process a claim? Click here: 

https://www.manulife.com.kh/en/services/claims.html,  or You can also call our hotline 1800 211 211 for free of charge.