Disability Income Protection

Should you become permanently or partially disabled and unable to perform your job, how will you maintain your lifestyle? If you are not working, unless you have a very generous employer, it is likely that you will not be getting paid. A Hong Kong Life Insurance plan which includes a Disability Income Protection rider is designed to protect you for up to 75 percent of your annual salary in the event that you cannot fulfil the duties of your employment because of a partial or permanent disablement.

CCW can provide HK Disability Income Protection options which will continue covering your salary for 2 years after the incident which left you disabled, and can offer policies which continue to provide coverage all the way to 65 years of age.

If you are a musician with a broken hand, or a factory foreman with a broken leg, a Hong Kong life insurance plan which includes a Disability Income Protection benefit in Hong Kong can help you to maintain your lifestyle without having to worry about where you will find the money to support your family.


Why Choose Disability Income Insurance Protection in Hong Kong?

Disability Income Insurance protection may not be a suitable product for everyone. However, if you are concerned about your loss of income following an accident which has left you unable to perform the normal duties of your employment, if you work in a specialized or dangerous industry, or if you simply wish to ensure that your family will be able to manage financially while you are recovering, then this type of product can be a good consideration.

Examples of injuries and disabilities covered by a Disability Income Insurance plan include:

  • A Computer Programmer with severe Carpal Tunnel Syndrome
  • A Musician (such as a Concert Pianist) with a Broken Hand
  • A Professional Athlete with an ACL Injury
  • A White Collar Employee recovering from Cancer treatment and/or Chemotherapy

Essentially, if you are unable to work due to the injury, sickness, or disability you are suffering from then the HK Disability Income insurance will ensure that you are still able to receive money during your recovery; alleviating the burden and stress of having to worry about your finances while you are recuperating.

This is important, especially in Hong Kong, due to the many costs involved with day-to-day life in the city. Factors such as exorbitant rental and property prices can be high burdens without a regular income, and without the ability to pay your rent, or mortgage, you may be forced to relocate to another location within the city, or even back to your home nation.

Additionally, unless your company provides for your children’s education through a debenture program, the fees associated with International Schools in Hong Kong can be hard to manage without a constant source of income. In this case it is likely that you would wish to ensure your child’s continuing education, which is best achieved through the purchase of a plan like a Disability Income protection policy.


Free Hong Kong Disability Insurance Quotes

If you would like to receive a free quote for a comprehensive Disability Income Insurance plan in Hong Kong, simply complete the short form on this page. Once we have received your quotation request an expert Hong Kong Life Insurance broker will contact you to further discuss your disability insurance needs and requirements.

Alternatively, please Contact Us to speak to an expert advisor today. 


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