IncomeGuard Critical Illness Protector

Important Note:

IncomeGuard Critical Illness Protector is a long-term participating critical illness (life) insurance plan underwritten by Manulife (International) Limited (“Manulife”). The content of this website does not contain the full terms of the policy, and the full terms can be found in the corresponding policy document(s). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as a licensed insurance agency of Manulife.

The product is an insurance product and is neither a bank deposit nor a bank saving plan.

At a Glance

offering essential and continuous income support during such challenging times

Features and Benefits

Steady income support available as often as annually, with coverage up to 1000% of notional amount when fighting major critical illnesses

Up to 100% extra critical illnesses coverage for the first 10 policy years

Reimbursement for traditional Chinese medicine for cancer treatment to support your recovery journey

Premium waivers to support financial well-being

Protection restore benefit to provide support when you’re in need

Please see the product leaflet for detailsClick here to download

How to Apply

Call our customer service hotline 2290 8888 for enquiry or visit any of our branches

Call to enquire the Manulife Customer Service Hotline at 2510 3383

Important Notes:

The below is provided to you in the Bank’s capacity as an authorized institution regulated by the Hong Kong Monetary Authority.
- The product is a long-term participating life-insurance plan with a savings element. Part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold this product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.
- Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect Manulife’s ability to meet the ongoing obligations under the insurance policy.
- Risk from cashing in (surrender) early - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the surrender value Manulife projects.
- Please refer to the product leaflet for details of product risks.
The Bank, being registered with the Insurance Authority as a licensed insurance agency, is appointed as an insurance agency of Manulife for the distribution of life insurance products in the Hong Kong Special Administrative Region.
The Bank distributes the product for Manulife and the product is a product of Manulife but not the Bank.
In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer.
This webpage is only a reference. You should not base solely on this website to make decision on applying for the product. The risks disclosed above are not exhaustive and you should refer to the product leaflet, proposal and policy provision for the risk disclosures and exact terms and conditions of this product, and if in doubt, seek independent professional advice.
This webpage is only for use in Hong Kong Special Administrative Region.

IncomeGuard Critical Illness Protector

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