Customers will get 100% insurance protection, equal to the rounded fixed deposit amount, in case of death and total disability.
All disputes related to Member's Insurance Policy shall be settled between Manulife and the Member of the Insurance Policy. Both parties shall submit the dispute to the Insurance Regulator of Cambodia for mediation before filing a complaint to the court or arbitration in the Kingdom of Cambodia, except in criminal cases.
Subject to this Policy’s provisions, Manulife shall pay the Death Benefit in the event of the Life Insured’s (Member’s*) death upon receipt of acceptable proof and approval by Manulife of the Member’s death. The benefit proceeds will be paid to the beneficiary.
The Death Benefit proceeds shall be the amount specified on the Policy Information. A Member’s insurance under this Policy will be terminated upon the payment of benefit for that Member.
Total Disability is defined as the total and irrevocable:
"Loss of sight" means vision that even when tested with the use of visual aids, is measured at 3/60 or worse in both eyes using a Snellen eye chart or equivalent test.
"Loss of use" means total, continuous and permanent functional disablement of a limb, which has lasted for at least 180 days. This includes the physical loss of a limb; for arm, at the upper part of the wrist or for leg, at the upper part of the ankle.
Confirmation of Total Disability must be made by Manulife’s appointed registered medical practitioner/ physician/ doctor. The opinion of this registered medical practitioner/ physician/ doctor will be binding on the Life Insured and Manulife. For physical loss of limbs, this confirmation can be made at any time.
Subject to this Policy’s provisions, Manulife shall pay the Total Disability Benefit in the event of the Life Insured’s total disability upon receipt of acceptable proof and approval by Manulife of the total disability of the Member that meets the definition of Total Disability described above. The Total Disability Benefit proceeds will be paid to the Life Insured.
The Total Disability Benefit proceeds shall be the amount specified on the Policy Information. A Life Insured’s insurance under this Policy will terminate upon the payment of Total Disability Benefit for that Life Insured.
*The Member in the Policy means any person who is eligible, enrolled, and insured for insurance benefits provided for Members under the Policy. The term “Life insured” shall be deemed to include the term "Member."
The Life Insured’s death results directly or indirectly, in whole or in part, from any of the following:
The Life Insured’s total disability results directly or indirectly, in whole or in part, from any of the following:
A Member’s insurance coverage provided under the Policy shall be terminated on the occurrence of the first of any of the following: