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Premium Waiver Benefit

Last checked

At a glance

Insurer
Manulife (International) Limited
Product category
Other
  • Waives future policy premiums if the insured becomes totally disabled, subject to the benefit conditions.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

7 of 13 known · 6 not published
What it pays and when

Recorded features: Waives future policy premiums if the insured becomes totally disabled, subject to the benefit conditions.Public source · Checked:

Waives future policy premiums if the insured becomes totally disabled, subject to the benefit conditions.Public source · Checked:

Benefit limits

Maximum premium waived: HKD30,000 or USD3,750 per month.Public source · Checked:

Premium and payment term

Supplementary premiums are collected together with the basic-plan premium.Public source · Checked:

How premiums can change

Premium rates are not guaranteed and may be revised under the insurer’s review rules.Public source · Checked:

Guaranteed / non-guaranteed

This protection has no cash value.Public source · Checked:

Waiting periods
not publishedDocuments checkedPublic source · Checked:
Main exclusions

Suicide or intentional self-inflicted injury is restricted by the applicable benefit exclusions; scope and exceptions differ by benefit.Public source · Checked:

Surrender / cancellation
not publishedDocuments checkedPublic source · Checked:
Cooling-off
not publishedDocuments checkedPublic source · Checked:
Riders
not publishedDocuments checkedPublic source · Checked:
Claims steps

Insurer claims guide

not publishedDocuments checkedPublic source · Checked:
Policy servicing from abroad
not publishedDocuments checkedPublic source · Checked:
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (8)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What waiting periods apply?
  2. What are the cancellation terms and any surrender value or charges?
  3. Which riders are available, and what are their costs and terms?
  4. What are the claim steps, documents and deadlines?
  5. How can I service the policy from abroad, and what restrictions apply?
  6. Can you provide the key facts statement and policy provisions for this product?
  7. What is the cooling-off period, and how do I cancel during it?
  8. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

More product information from this insurer:

Future Assure

Insurers (15)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Other

Source 1
Recorded features

Waives future policy premiums if the insured becomes totally disabled, subject to the benefit conditions.

Source 2
Names in other languages
English
Premium Waiver Benefit
繁體中文
傷殘豁免保費附加保障
简体中文
Not confirmed

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Premium Waiver Benefit and Payor Benefit — brochure

    Source date: Not confirmed / Page: 1

  2. Premium Waiver Benefit and Payor Benefit — brochure

    Source date: Not confirmed / Page: 2

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