Designed to address income protection needs arising from employees losing their ability to work due to illness or accidents, Group Disability Insurance provides professional disability income protection solutions for both enterprises and employees.

When an employee suffers temporary or permanent disability caused by non-work-related illness or accidental injury and is unable to continue their original occupation, the product provides periodic disability income compensation according to the policy terms, helping employees maintain basic living standards and reducing financial pressure caused by income interruption.

Group Disability Insurance is an important component of an employee benefits program and complements health insurance and accident insurance to create a comprehensive protection framework. The product supports flexible design of short-term and long-term disability protection plans based on enterprise needs, covering different levels and durations of disability and helping employees build a more comprehensive risk protection network.

Leveraging MSH’s professional underwriting and claims management experience as well as health management capabilities, the product provides not only disability income compensation but also integrates rehabilitation guidance, medical assistance, and vocational rehabilitation consulting services, helping employees recover their working ability as soon as possible and creating a closed-loop solution from protection to rehabilitation.

Key Coverage Features

● Coverage for short-term and long-term disability caused by accidents or illnesses

● Monthly disability income benefits to help maintain employees’ basic living standards

● Flexible selection of disability waiting periods and benefit payment durations

● Differentiated protection solutions for total disability and partial disability

● Integration of rehabilitation guidance, medical assistance, and vocational rehabilitation consulting services

● Professional underwriting and claims assessment to ensure fairness of protection

● Flexible customization of coverage amounts and protection scope according to enterprise budgets

● Supports combined enrollment with group health insurance and accident insurance for comprehensive risk protection