When facing an illness that interferes with your ability to work, we are pleased to provide you with Long-term Disability coverage. 

The policy, insured with CHUBB, provides you with salary protection in case an insured is unable to work due to accident injury / illness with 24-hour/worldwide coverage. 

Definition of Disability: During the waiting period, the insured is totally disabled from any occupation that they are reasonably suited for. During the benefit period, the insured is either totally disabled from their own occupation, or partially disabled and suffering a 20% earnings loss.

Benefit Amount:

(Basic Monthly Salary × Income Loss Ratio% – Social Benefit) × Benefit rate(60%)

Principal Exclusion:

Intentional / Serious Negligence, Suicide / Illicit Acts/ War/Riot etc.