Money-Back Disability Income Protector

iMONEY

Insurance Excellence Awards 2019

All-round disability income protection

Money-Back Disability Income Protector provides all-round disability income protection with a unique 100% money-back guarantee from the 15^th policy anniversary onwards.

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Triple Income Protection

Waiver of Premium

Extra Home Nursing Benefit

Money Back 100% Guaranteed

Death Benefit for Extra Protection

The Income Protector offers you a comprehensive 3-level monthly benefit to cover any income loss resulting from your inability to work¹.
In the event of total disability², 100% of the Monthly Benefit will be paid. Even if you were unemployed before your disability, 50% of the Monthly Benefit will still be paid.
Cash benefit at your complete disposal.
A Residual Disability Benefit will be paid during your rehabilitation³. If, after receiving Total Disability Benefits for 14 days or more, your monthly earnings during rehabilitation are over 25% less than your pre-disability monthly income, a monthly benefit based on the percentage of your income loss will be paid until you fully recover or the benefit period ends⁴.

Notes:
^1.Maximum Monthly Benefit is 75% of pre-disability monthly earnings.
^2.Total Disability is defined as the inability of the Insured, by reason of illness or accidental injury, to perform each and every duty of his/her own occupation, and that he/she is under continuous medical care and attention. After 24 monthly benefit payments, Total Disability means the Insured is unable to perform each and every duty in his/her own occupation or any gainful occupation for which he/she is reasonably suited by his/her education, training or experience. If the Insured is unemployed immediately before the onset of disability, Total Disability is defined as the complete and continuous inability of the Insured to perform any three or more of the Activities for Daily Living.
^3. Residual Disability means the Insured is able to perform one or more but not all the duties of his/her own occupation, and that he/she asunder continuous medical care and attention. After 24 monthly benefit payments, Residual Disability means the Insured is able to perform one or more but not all duties in his/her own occupation or any gainful occupation for which he/she is reasonably suited by his/her education, training or experience. To be eligible to receive Residual Disability Benefits, the Insured must be active at work immediately before the date when the event or illness causing Total Disability occurs.
^4. % of reduced earnings = (Pre-disability monthly earnings - Monthly income during rehabilitation) / Pre-disability monthly earnings x 100%

Premiums falling due will be waived as long as Total Disability Benefit or Residual Disability Benefit is payable.

If, due to medical necessity, a registered home nurse is required, the Income Protector will provide you with an extra Home Nursing Benefit⁵ for up to 30 days.

Notes:
^5. The Daily Home Nursing Benefit amount will be equal to the actual expenses involved in hiring a registered home nurse, or 1/30 of the monthly benefit paid by the plan, or HK$300, whichever is the lowest.

The Income Protector guarantees you a full refund of all premiums paid⁶ effective from the 15^th policy anniversary onwards. From that moment on, you have total control over the best time to surrender your policy and get the full refund.
Even if you have claimed disability benefits, on policy surrender you can still get a full premium refund net of any claim benefits paid to you⁶.

Notes:
^6. The calculation of total premiums paid will be based on the annual modal premium.

The Income Protector offers Death Benefit. In the event of the death of the Insured, the beneficiary will receive an amount equal to all premiums paid net of any claim benefits paid to the Insured⁶.

Notes:
^6. The calculation of total premiums paid will be based on the annual modal premium.