Daiichi Life Insurance (Cambodia) PLC.

GROUPLife Care

Provide your employees with Japanese-standard care and protection through flexible and comprehensive coverage options under the GROUPLife Care

What is GROUPLife Care?

GROUPLife Care is a group term life insurance product that provides financial protection against death and total permanent disability (TPD) and partial and permanent disability (PPD) due to all causes for insured members (employees), as well as their eligible insured dependents, limited to spouses and kids; the policy offers comprehensive worldwide coverage, subject to applicable terms and conditions and exclusions.

The objective of the GROUPLife Care is to enhance well-being and provide protection to insured members (employees) and their insured dependents members in the insured events.

The scope of this basic plan is to insure and protect insured members (employees) and their insured dependents against the risks of death (Death Benefit), Total and Permanent Disability, and Partial and Permanent Disability arising from all causes, except for those specifically excluded under the policy terms.

Why should you choose GROUPLife Care?

Offer flexible protection for growing workforce and business needs
Offer valuable employee benefits at affordable cost
Prove employees and their family matter

About GROUPLife Care

No	Features	GROUPLife Care
1	Age of Insured Member	Insured Member (Employees): 16 to 65 expired at 66 years old Insured Dependent Spouse: 16 to 65 expired at 66 years old Children: 1 to 25 expired at 26 years old
2	Minimum Insured Member	5 members
3	Policy Term	1 year
4	Premium Payment	Annual
5	Sum Insured	Up to $1.2 Million (not more than 36 times of employees monthly salary)
6	Underwriting	Within Free Cover Limit: No Underwriting Above Free Cover Limit: Full Underwriting
7	Benefits	Death/Total and Permanent Disability/Partial and Permanent Disability due to all causes: Up to 100% Sum Insured Note: If the Insured Member or Insured Dependent suffers Partial Permanent Disability (PPD), 50% of the Sum Insured will be paid. Thereafter, if Death or Total Permanent Disability (TPD) or If another Partial Permanent Disability (PPD) occurs, the remaining 50% of Sum Insured will be paid.

Note:

This insurance product has a surrender value, but it does not provide any maturity benefits.
Other terms and conditions apply; please refer to the Policy Terms and Conditions for further details.

This plan has a 30‑day grace period, but does not have a reinstatement period, as the plan is renewable on an annual basis.

GROUPLife Care Brochure	[Preview] / [Download]
Terms and Conditions	[Preview] / [Download]

GROUPLife Plus

What is GROUPLife Plus?
GROUPLife Plus is group insurance rider attached to GROUPLife Care, providing coverage for Accidental Death or Accidental total and permanent disability or Accidental partial and permanent disability for insured members (employees). The policy offers comprehensive worldwide coverage.

The objective of the GROUPLife Plus is to provide additional protection against accidental risks to insured members (employees) upon the occurrence of a covered event.

The scope of insurance coverage under this plan is to insure the Insured Member against the risks of accidental death, accidental total and permanent disability, or accidental partial and permanent disability (excluding any events specified under the policy exclusions).

Why should you choose GROUPLife Plus?

Provides an additional payout for accidental death or total and permanent disability.
Offers accident coverage for partial disability or burns.
Provides immediate financial support and helps cover lost income.

About GROUPLife Plus

No	Features	GROUPLife Plus
1	Age of Insured Member	Insured Member (Employees): 18 to 65 expired at 66 years old Note: this Rider is not attachable to Insured Dependents.
2	Minimum Insured Member	5 members
3	Policy Term	1 year
4	Premium Payment	Annual
5	Sum Insured	Up to USD 800,000 (shall not exceed the Sum Insured under the base plan, GROUPLife Care)
6	Underwriting	No Underwriting
7	Benefits	This rider offers 2 options: Option 1: 100% of Rider Sum Insured for Accidental Death Benefit (ADB), Accidental Total Permanent Disability (ATPD) in accordance with the above conditions Option 2: Accidental Death Benefit (ADB), Accidental Total Permanent Disability (ATPD), Accidental Partial Permanent Disability (APPD): Up to 100% of the Rider Sum Insured will be paid (This option is subject to a minimum of 11 insured members, and the benefit for Accidental Partial and Permanent Disability capped at USD 200,000). Note: In the event that the Insured Member suffers from Accidental Partial and Permanent Disability, the benefit payable shall be determined based on the table below as a percentage of the Sum Insured. Thereafter, in the event of Accidental Death or Accidental Total and Permanent Disability, the remaining Sum Insured shall be payable.

Accidental Partial and Permanent Disability
No	Condition caused by Accident cause	Percentage of the Rider Sum Insured
1	Loss of 2 two thumbs	30%
2	Loss of use of all fingers in one hand	30%
3	Loss of sight in one eye	30%
4	Loss of hearing in both ears	50%
5	Loss of one arm OR one Leg	50%
6	Second degree burns covering more than 30% of the surface of the body	25%
7	Third degree burns covering more than 20% of the surface area of the body	100%

Notes:

This insurance product has a surrender value, but it does not provide any maturity benefits.
Other terms and conditions apply; please refer to the Policy Terms and Conditions for further details.
This plan has a 30‑day grace period, but does not have a reinstatement period, as the plan is renewable on an annual basis.

GROUPLife Plus Brochure :>Click Download
Policy Terms & Conditions :>Click Download

GROUPLife CI

What is GROUPLife CI?

GROUPLife CI is group insurance rider attached to GROUPLife Care, which provides critical illness coverage up to 38 conditions of early and late stages to Insured Members (employees of the company). This rider offers comprehensive worldwide coverage.

The objective of the GROUPLife CI is to provide additional protection against the risk of critical illnesses to insured members (employees) upon the occurrence of a covered event.

The scope of coverage of this plan is to insure and provide protection to insured members (employees) against 38 critical illnesses (excluding any events specified under the exclusions).

Why should you choose GROUPLife CI?

Cover 38 critical illness conditions
Offer Long-term Financial Security to employees and families

About GROUPLife CI

No	Features	GROUPLife CI
1	Age of Insured Member	Insured Member (Employees): 18 to 65 expired at 66 years old Note: this Rider is not attachable to Insured Dependents.
2	Minimum Insured Member	5 members
3	Policy Term	1 year
4	Premium Payment	Annual
5	Sum Insured	Up to USD 100,000 (shall not exceed the Sum Insured under the base plan, GROUPLife Care)
6	Underwriting	Within Free Cover Limit: No Underwriting Above Free Cover Limit: Full Underwriting
7	Benefits	38 Critical Illness Conditions Early-stage illnesses (19 conditions): payable up to 50% of the Sum Insured under the GROUPLife CI, capped at USD 25,000 for one time claim only per insured member. Late-stage illnesses (19 conditions): payable up to 100% of the Sum Insured under the GROUPLife CI, after deducting any benefits previously paid for early-stage illnesses, if any. After 100% of the Sum Insured of this rider is paid, the rider will be terminated

Notes:

This insurance product has a surrender value, but it does not provide any maturity benefits.
Other terms and conditions apply; please refer to the Policy Terms and Conditions for further details.
This plan has a 30‑day grace period, but does not have a reinstatement period, as the plan is renewable on an annual basis.

GROUPLife CI Brochure :>Click Download
Policy Terms & Conditions :>Click Download