Manulife គាំពារ

The details of the product and conditions of the insurance contract 

1. Subject of Insurance 

Manulife គាំពារ is a life insurance product which subject of insurance is life and physical (Total and Permanent Disability/Cancer).

2. Age Eligibility

Life Insured Age: starting from 18 to 50 years old

3. Insurance Benefits

3.1. Death or Total and Permanent Disability Benefit 

In the event the Life Insured passes away or becomes totally and permanently disabled while the Policy is in force and before Policy Expiry Date, the Company shall pay the Death or Total and Permanent Disability Benefit in lump sum amount equal to 100% of Face Amount as specified in the Insurance Certificate or subsequent Endorsement (if any), less any outstanding Premium to be paid with accrued interest (if any).

Upon receiving proof of the Death or Total and Permanent Disability of the Life Insured, and after the Company has approved that the claim meets the definitions, terms, and conditions of the Policy—provided it is not part of the exclusions stated in this Policy—the Company shall pay the benefit to the designated Beneficiary(ies) if the Life Insured passes away, or to the Life Insured if the Life Insured becomes totally and permanently disabled.

The Policy shall be terminated after the Death or Total and Permanent Disability Benefit is paid.

3.2. Early-Stage Cancer Benefit

In the event the Life Insured is diagnosed with Early-Stage Cancer while the Policy is in force and before Policy Expiry Date, the Company shall pay the Early-Stage Cancer Benefit in lump sum amount equal to 200% of Face Amount as specified in the Insurance Certificate or subsequent Endorsement (if any), less any outstanding Premium to be paid with accrued interest (if any).

Upon receiving proof confirming the diagnosis of Early-Stage Cancer of the Life Insured, and after the Company has approved that the claim meets the definitions, terms, and conditions of the Policy as specified and defined in “Table of Cancer Conditions”,—provided it is not part of the exclusions stated in this Policy—the Company shall pay the benefit to the Life Insured. The diagnosis of the Early-Stage Cancer shall be certified by a Medical Practitioner acceptable to the Company.

The Policy shall be terminated after the Early-Stage Cancer Benefit is paid.

3.3. Late-Stage Critical Illness Benefit

In the event the Life Insured is diagnosed with Late-Stage Cancer while the Policy is in force and before Policy Expiry Date, the Company shall pay the Late-Stage Cancer Benefit in lump sum amount equal to 200% of Face Amount as specified in the Insurance Certificate or subsequent Endorsement (if any), less any outstanding Premium to be paid with accrued interest (if any).

Upon receiving proof confirming the diagnosis of Late-Stage Cancer of the Life Insured, and after the Company has approved that the claim meets the definitions, terms, and conditions of the Policy as specified and defined in “Table of Cancer Conditions”,—provided it is not part of the exclusions stated in this Policy—the Company shall pay the benefit to the Life Insured. The diagnosis of the Latey-Stage Cancer shall be certified by a Medical Practitioner acceptable to the Company.

The Policy shall be terminated after the Late-Stage Cancer Benefit is paid.

Table of Cancer Conditions:

The following Cancer conditions are covered under the Early-Stage Cancer Benefit and Late-Stage Cancer Benefit:

4. Premium Payment

4.1. Premium Payment

All Premiums applicable under this Policy shall be paid during the Premium Term as stated on the Insurance Certificate or subsequent Endorsement (if any).

Premium mode is available in annual mode only. 

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

4.2. Grace Period

A Grace Period of thirty-one (31) days from the Premium Due Date will be allowed for each Premium payment, the Policy will remain in force during this period. If at the end of the Grace Period and the Premium is still unpaid, the Policy will lapse. 

If the covered events happened during the Grace Period, the Company shall pay the benefit amount as mentioned in 3.1, 3.2 or 3.3 less any outstanding Premium to be paid with accrued interest (if any).

4.3. Policy Reinstatement

After the Policy lapsed due to the default in Premium payment after the Grace Period, all benefit(s) payable under this Policy shall be lapsed. The Policyowner can request to reinstate the Policy within two (2) years from the date the Policy lapsed. At the Company’s discretion, this Policy can be reinstated if:

(a) a written request or any form as prescribed by the Company is made by the Policyowner; and 

(b) subject to the underwriting rules, the Life Insured is within the eligible age limits at the time of reinstatement; and

(c) evidence(s) of insurability submitted is satisfactory to the Company; and

(d) payment of all overdue premiums with fee(s) (if any).

After the Company receives the required document(s) and the listed requirements above are fulfilled, the Company shall evaluate the Policy Reinstatement Request. The Company reserves the right to ask for additional document(s) as necessary for the underwriting process. In the event the Company approves this request, the Policy shall be reinstated. However, if the Company rejects this request, the Policy shall not be reinstated and remain lapsed, then the Company shall refund to the Policyowner:

(a) any overdue Premium paid and fee(s) (if any) paid to the Company for the reinstatement purpose, less

(b) Medical examination expense for reinstatement paid by the Company (if any).

Upon Reinstatement, the company will not provide coverage for any loss resulting from a pre-existing condition such as impairments, injury(ies), diseases, illness or complication thereof that occurs during the Policy lapse period.

If the policy remains lapsed for 2 consecutive years, the Policy will be terminated and will no longer be allowed to reinstate.

4.4. Waiting Period refers to the specified amount of time after Policy Effective Date or Policy Issue Date or Policy Reinstatement Date of the Policy (whichever is later) during which no benefit will be paid.

This Policy has a waiting period of:

• One-hundred-twenty (120) days from the Policy Effective Date, or Policy Issue Date or Policy Reinstatement Date (whichever later) for Early-Stage Cancer.

• Ninety (90) days from the Policy Effective Date or Policy Issue Date or Policy Reinstatement Date (whichever later) for Late-Stage Cancer.

5. Exclusions 

No covered benefits will be payable if the occurrence of insured event results from either directly or indirectly, wholly or partly from any of below item(s). If the covered event is not payable and leads to the termination of this Policy, the liability of the Company shall be limited only to the return of total Premium paid from Policy Issue Date, less the medical examination expense (if any) and/or expenses reasonably occurred for the underwriting process (if any). 

Exclusions for Death Benefit

(a) Suicide or attempted suicide, whether the Life Insured is sane or insane, within two (2) years from the Policy Issue Date or the last Policy Reinstatement Date, whichever is later (this exclusion is not applicable after two (2) years period per stated above); or

(b) A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries (please refer to Section 8. Beneficiary); or

(c) Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).

Exclusions for Total and Permanent Disability Benefit

(a) Attempted suicide or any self-inflicted injury, whether the Life Insured is sane or insane; or

(b) A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries (please refer to Section 8. Beneficiary); or

(c) Any unprescribed drug, alcoholic substance, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled as defined in current laws and regulations; or

(d) 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; or

(e) Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).

Exclusions for Cancer Benefit

(a) All Pre-existing conditions and the complications arising from the Pre-existing Conditions; or

(b) All Cancer presenting, or any symptoms presenting or diagnosed within the Waiting Period, inclusive of all Early-Stage Cancer that are first diagnosed during the waiting period and that progress to a Late-Stage Cancer after the waiting period expired, 

(c) Congenital diseases or birth defects; or

(d) Disease/s resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immune Deficiency Virus (HIV); or

(e) Any conditions that are excluded under each covered Cancer’s definition.

6. Policy Change

The Policyowner can request to make any alterations to this Policy by submitting a written request to the Company. Any alterations to this Policy shall be within Company guidelines and shall be approved by the Company via an Endorsement letter or any other form(s) by the Company.

7. Policy Renewal

This Policy is not subject to any renewal after the Policy Expiry Date as stated on the Insurance Certificate. At the end of the Policy Term, if the Policyowner wish to continue the coverage under the same insurance plan, the Policyowner shall contact his/her Insurance Specialist/Agent or the Company to request a new Policy, subject to the underwriting rules. 

8. Policy Termination

This Policy will be automatically terminated on the earliest of the following:

a) Death or Total and Permanent Disability of the Life Insured; or

b) Early-Stage Cancer or Major-Stage Cancer of the Life Insured; or

c) Policyowner’s request to surrender the Policy; or

d) The Policy has lapsed for two (2) years consecutively (refer to 5.3) or has reached the Policy Expiry Date.

9. Incontestability 

The Company can cancel or void the Policy if the Company discovers any inaccurate statement or suppression of a material fact by the Policyowner or Life Insured on a material matter within two (2) years from the Policy Effective Date, Policy Issue Date, or the latest Policy Reinstatement Date (whichever is later), that impacts the underwriting decision on this Policy. Such non-disclosure or misrepresentation could be found in the application for this Policy, any medical evidence forms, or any written statements and answers provided as evidence of insurability. However, this clause shall not apply to a misstatement of age or gender.

10. Confidentiality 

Any information provided to the Company shall be treated as confidential and no personal information shall be disclosed to third party without prior consent unless required or approved by in force law or regulations.

11. Dispute Mediation 

11.1. Complaint Procedures

Any complaint received will be addressed and analyzed within five (5) working days from the date that the Company received the complaint from customer to determine the root cause and the appropriate course of action in accordance with the Company’s standard operating procedures. 

11.2. 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.

12. Jurisdiction 

This Policy shall be governed by jurisdiction of the Kingdom of Cambodia.  

13. How to claim

To claim your benefit, follow these steps:

• Gather Required Documents: Identification, policy details, and any relevant claim forms.

• Notify Manulife about claim events, so that we can guide you through the process:

o Reach out to your insurance representative or

o Come to nearest Manulife Branch or

o Call to our hotline: 1800-211-211 or email: claims_service_kh@manulife.com. 

• Submit Your Claim: You can submit your claim through the following methods:

o Phone: Call us at 1800 211 211 for assistance.

o Email: Send your documents and inquiries to claims_service_kh@manulife.com.

o Online: Visit our website at www.manulife.com.kh, find “Services” tab, click on “File a claim” and then follow the instruction.

o In-Person or Mail: You can also send your documents by mail or visit one of our branches if that’s more convenient.