Manulife Family Protector

The details of the products and conditions of the insurance contract

Subject of insurance

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

1.     Eligible

• Policy Owner: 18 - 60 Years

2.    Premium Payment

• 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 and semi-annual modes. 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

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 by at the end of the Grace Period and the Premium is still unpaid, the Policy will lapse. 

•Policy Reinstatement

After the Policy is lapsed due the default in Premium payment after the Grace Period, all benefit(s) payable under this Policy shall be lapsed , except Surrender Benefit (if any).   The Policyowner can request to reinstate the Policy within two (2) years from the date the Policy is lapsed. At the Company’s own 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 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 process to evaluate the Policy Reinstatement Request. The Company reserves the rights 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 reject this request, the Policy shall not be reinstated and remain lapse, then the Company shall refund back to the Policyowner of:

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

b)         Surrender Benefit (if any)   ; minus 

c)         Medical examination expense for reinstatement paid by the company (if any

3.    Insurance Benefits

• Death Or Total Disability Benefit Not Caused By Accident

Subject to this Policy’s provisions, the Company shall pay the Death or Total Disability Benefit in the event of the Life Insured’s death or total disability, whichever happens first, upon receipt of acceptable proof and approval by the Company of the Life Insured’s death or of the total disability of the Life Insured that meets the definition of Total Disability described under Section 1. The Death Benefit proceed will be paid to the beneficiary while the Total Disability Benefit proceed will be paid to the Life Insured.

The Death or Total Disability Benefit proceeds shall be the amount specified in the Insurance Certificate or as subsequently endorsed in the Policy.  

·       Death Or Total Disability Benefit Caused By Accident

Subject to this Policy’s provisions, the Company shall pay the Death or Total Disability Benefit in the event of the Life Insured’s death or total disability, whichever happens first, upon receipt of acceptable proof and approval by the Company that the Life Insured’s death or total disability meets the definition of Death or Total Disability Caused by Accident described under Section 1. The Death Benefit proceed will be paid to the beneficiary while the Total Disability Benefit proceed will be paid to the Life Insured.

The proceeds from the Death or Total Disability Benefit Caused by Accident shall be the amount specified in the Insurance Certificate or as subsequently endorsed in the Policy.  

4.    Exclusion

The Company shall not reimburse any covered benefit(s) resulted from either directly or indirectly, wholly or partly from any of below item(s). If the claim denial 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 or Policy Reinstatement Date, whichever is later, less the medical examination expense (if any) and/or expenses reasonably occurred for the underwriting process (if any).

Exclusions for Death Benefits Not Caused by Accident

No Death Benefit will be payable if the occurrence of insured event results directly or indirectly from any of the following:

a.       The Life Insured committed suicide or attempted suicide within two years from the Policy Issue Date or the effective date of its last reinstatement, whichever is later, whether the Life Insured is sane or insane, or

b.       The Life Insured’s death results directly or indirectly from a committed criminal offense or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or beneficiaries. Beneficiaries not involved in the aforementioned criminal activity will remain eligible to receive their benefits.

c.       The Life Insured dies as a consequence of the Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).

If the Life Insured’s death results directly or indirectly from Exclusions b and c, the Company will only refund the total actual premiums paid, without interest, and this Policy is terminated. If the Life Insured’s death results directly or indirectly from Exclusion a, please refer to Section 14 (Suicide) for the refund amount.

Exclusions for Total Disability Benefits Not Caused by Accident

No Total Disability Benefit will be payable under this Provision, if such Total Disability resulted directly or indirectly from any of the following:

a.       Attempted suicide or any self-inflicted injury, whether sane or insane;

b.       The Life Insured being under the influence of alcohol or the taking of any drug, except under the direction of a registered medical practitioner;

c.       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;

d.       Commitment or 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.

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

Exclusions for Death or Total Disability Benefit Caused by Accident

No Death or Total Disability Benefit will be payable under this Provision, if the occurrence of the insured event results directly or indirectly from any of the following:

a.       The Life Insured committed suicide or attempted suicide, whether the Life Insured is sane or insane.  

b.       The Life Insured’s death results directly or indirectly from a committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or beneficiaries. Beneficiaries not involved in the aforementioned criminal activity will remain eligible to receive their benefits.

c.       Any unprescribed drug, alcoholic substance, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled. 

d.       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. 

e.       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.

f.        Travelling or flight in any vehicle or device for aerial navigation, except as a passenger on an aircraft operated by a regular airline. 

g.       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.

h.       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.

5.    Free Look Period

Refer to the duration of twenty-one (21) calendar days from the Policy Issue Date. During this Free Look Period, the Policyowner can surrender the Policy upon a written request to the company with the Original Insurance Contract attached (For E-Contract, Policyowner is required to attach Insurance Certificate only). After the Company received all the required documents, the Company will terminate the Policy then refund back to the Policyowner as the following:

a)         total Premium paid; less,

b)         any expenses occured for the underwriting process (if any); less,

c)         any amount owed to the company (if any).  

6.    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 by at the end of the Grace Period and the Premium is still unpaid, the Policy will lapse  . 

7.    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

8.    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 any of the Life Insureds on a material matter within two (2) years from the Policy Effective Date, or Policy Issue 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.

9.    Termination

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

a)     Death or Total and Permanent Disability of the Life Insured due to Accident or Non-Accident; or

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

c)     The Policy has lapsed for twenty-four (24) months consecutively or has matured.

10.  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.