- Policy currencies
- HKD
- Premium payment terms
- 12 years
Thankful Care Personal Accident Insurance Plan
Last checked
At a glance
- Insurer
- Manulife (International) Limited
- Product category
- Accident
- Policy currencies
- HKD
- Premium payment terms
- 12 years
- Accidental death pays 100% of notional amount, subject to exclusions and aggregate benefit conditions.
Decision sheet
8 of 13 known · 5 not published · 0 not yet checked
- What it pays and when
Recorded features: Accidental death pays 100% of notional amount, subject to exclusions and aggregate benefit conditions.Public source · Checked:
Accidental death pays 100% of notional amount, subject to exclusions and aggregate benefit conditions.Public source · Checked:
- Benefit limits
Total disablement pays 1% of notional amount per month up to the stated benefit age limit.Public source · Checked:
- Premium and payment term
Premium payment terms: 12 yearsPublic source · Checked:
Payment options: 12 years; issue-age and option conditions apply.Public source · Checked:
- How premiums can change
The stated premium rate is guaranteed for the selected premium payment period.Public source · Checked:
- Guaranteed / non-guaranteed
- not publishedDocuments checkedPublic 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
Early surrender may return substantially less than premiums paid.Public source · Checked:
- Cooling-off
For Hong Kong policies, signed cancellation must reach the insurer within 21 days of policy or cooling-off notice delivery, whichever is earlier; refund conditions apply.Public source · Checked:
- Riders
- not publishedDocuments checkedPublic source · Checked:
- Claims steps
- 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 partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (7)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What waiting periods apply to accident claims?
- Which riders are available, and what are their costs and terms?
- What are the claim steps, documents and deadlines?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- 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:
Goals and audience categories described by product type
Similar products from other insurers
Similar products from other insurers
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information |
|---|---|
| Product category | Accident |
| Policy currencies | HKD |
| Premium payment terms | 12 years |
| Recorded features | Accidental death pays 100% of notional amount, subject to exclusions and aggregate benefit conditions. |
Names in other languages
- English
- Thankful Care Personal Accident Insurance Plan
- 繁體中文
- 相伴無憂個人意外保險計劃
- 简体中文
- Not confirmed
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Thankful Care Personal Accident Insurance Plan — brochure
Source date: Not confirmed / Page: 1
- Thankful Care Personal Accident Insurance Plan — brochure
Source date: Not confirmed / Page: 8
- Thankful Care Personal Accident Insurance Plan — brochure
Source date: Not confirmed / Page: 6