Manulife Pak Rinha
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
• Life Insured: 30 days - 14 years old
• 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
• Family Assistance Benefit
• Non-accidental Death or Total and Permanent Disability Benefit
In the event that the Life Insured (Policyowner) passes away or becomes totally and permanently disabled not caused by Accident while the Policy is in force and before Policy Expiry Date, the Company shall pay the Non-accidental Death or Total and Permanent Disability Benefit as specified in the Insurance Certificate or subsequent Endorsement (if any).
• Accidental Death or Total and Permanent Disability Benefit
In the event the Life Insured (Policyowner) passes away or becomes totally and permanently disabled caused by Accident while the Policy is in force and before Policy Expiry Date, the Company shall pay the Accidental Death or Total and Permanent Disability Benefit as specified in the Insurance Certificate or subsequent Endorsement (if any).
Upon receiving proof of the Death or Total and Permanent Disability of the Life Insured (Policyowner), 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 (Policyowner) passes away, or to the Life Insured (Policyowner) if the Life Insured (Policyowner) becomes totally and permanently disabled.
The Benefit shall be terminated after the Benefit is paid, and the Policy will remain in force until the Policy Expiry Date.
• Education Protection Payout Benefit
In the event that the Life Insured (Policyowner) passes away or becomes totally and permanently disabled while the Policy is in force and before the Policy Expiry Date, the Company shall pay the Education Protection Payout Benefit as specified in the Insurance Certificate or subsequent Endorsement (if any).
Upon receiving proof of the Death or Total and Permanent Disability of the Life Insured (Policyowner), 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— Company will pay this benefit to the designated beneficiary (ies) at the earliest of the following:
• At the Policy Expiry Date; or
• Upon the Death of the Life Insured (Minor), subsequent to the Death or Total and Permanent Disability of the Life Insured (Policyowner), provided that such events occurred before the Policy Expiry Date.
The Policy shall be terminated after this Benefit is paid.
• Surrender Benefit
The Policyowner has the rights to surrender the Policy at any time during the Policy Term by using the request form prescribed by the Company.
In the event the Policyowner requests to surrender the Policy before the Policy Expiry Date, the Policyowner is eligible to receive the Surrender Benefit (if any). The Surrender Benefit is no longer applicable after the Life Insured (Policyowner) passes away or becomes totally and permanently disabled while the Policy is in force.
The Surrender Benefit payout shall be subject to below conditions:
a. If the request to surrender the Policy is within the Free-Look Period, the Company will refund the total Premium paid to the Policyowner, less any expenses reasonably occurred for the underwriting process (if any).
b. If a request to surrender the Policy is made after the Free-Look Period, the Company will pay the Surrender Benefit (if any), as outlined in the “Illustration of Surrender Benefit” provided in the Insurance Certificate or any subsequent Endorsement.
The Policy shall be terminated after this Benefit is paid.
• Settlement Benefit
The Company shall return the total Base Plan Premium paid as specified in the Insurance Certificate or subsequent Endorsement (If any) 
if the Life Insured (Minor) passes away while the Policy is in force.
Upon receiving proof of the Death of the Life Insured (Minor), 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 the designated Beneficiaries.
The Policy shall be terminated after this Benefit is paid.
4. Exclusion
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 Non-accidental Death Benefit
a) Suicide or attempted suicide, whether the Life insured (Minor)/ Life Insured (Policyowner) is sane or insane, within two (2) years from the Policy Issue Date (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 Life Insured (Minor)/Life Insured (Policyowner) , 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 Non-accidental Total and Permanent Disability Benefit
a) Attempted suicide or any self-inflicted injury, whether the Life Insured (Policyowner) is sane or insane; or
b) A committed criminal offense, or an attempted commitment of a criminal offense by the Life Insured (Policyowner), 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; 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 (Policyowner) was participating therein; or
e) Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).
Exclusions for Accidental Death or Total and Permanent Disability Benefit
a) Suicide or attempted suicide, whether the Life Insured (Policyowner) is sane or insane; or
b) Willful exposure to danger or attempted self-destruction or self-inflicted injuries, whether the Life Insured (Policyowner) is sane or insane; or
c) Assault or murder; or
d) A committed criminal offense, or an attempted commitment of a criminal offense by the Life Insured (Policyowner), or Beneficiaries (please refer to Section 8. Beneficiary); or
e) Any unprescribed drug, alcoholic substance, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled; or
f) War or any act of war, whether declared or not, riot, insurrection, civil commotion, strikes terrorist activities, whether or not the Life Insured (Policyowner) was participating therein; or
g) Any loss sustained by the Life Insured (Policyowner) 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; or
h) 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; or
i) Travelling or flight in any vehicle or device for aerial navigation, except as a passenger on an aircraft operated by a regular airline; or
j) 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.
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 of the Life Insured (Minor); or
b) Policyowner’s request to surrender the Policy; or
c) The Policy has reached the Policy Expiry date.
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.