Supplementary benefits & standalone plans

Sun Life Financial offers a wide range of supplementary benefits for you to tailor coverage to your personal circumstances. The following supplementary benefits can be added to specific basic insurance plans. Please contact your consultant for details.

Additional Life Insurance Coverage

Critical Illness Coverage

Hospitalization Coverage

Accident Benefit

Disability Coverage
 

 

Free Benefits

Other Benefit



One Year Term & Five Year Term Benefit

  • Our term benefits provide high protection to you and your family at an affordable premium.
  • With our Five Year Term Benefit, you can make a renewal every 5 years.
  • One Year Term Benefit allows for greater flexibility as it is renewable on an annual basis.
  • Both benefits are guaranteed renewable up to the age of 80 or your basic plan matures, whichever is earlier.
  • Both benefits are convertible to a whole life plan before age 65, without underwriting or medical examination required.
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 Multi Protection Benefit Rider

Multi Protection Benefit rider provides multiple protections against 47 critical illnesses1
  • Up to a maximum of 5 critical illness claims. The first claim will be paid under the SunHealth Critical Illness Care (“Basic Plan”) or Living Master Benefit / Living Master Extra Benefit (“Basic CI Rider”), and thereafter the second to the fifth claims will be paid under this rider benefit with 100% of the Face Amount in each claim.
  • Up to a maximum of 3 cancer claims2,3.
  • Multi Protection Benefit rider is applicable under the following conditions:
    • Each critical illness claim including the benefit paid under the Basic Plan / Basic CI Rider shall fall within different groups of critical illnesses (except for claims for critical illness of Group 1)
    • Subsequent diagnosis of critical illness must be at least 1 year after the date of diagnosis of the immediately preceding critical illness for which a claim has been paid 3
    • For each critical illness claim, the insured must survive for at least 14 days after the date of diagnosis4.
  • After the first critical illness benefit is paid, all future premiums of Multi Protection Benefit rider will be waived5.

147 critical illnesses are the same as those of the SunHealth Critical Illness Care or Living Master Benefit / Living Master Extra Benefit, except for Terminal Illness. In addition, the 47 critical illnesses are divided into 5 groups, please refer to the product leaflet for details.

2A maximum of 5 critical illness claims include up to 3 claims for critical illness of Group 1 (Cancer), of which these 3 Cancer claims can be made under the Basic Plan / Basic CI Rider, if applicable, and Multi Protection Benefit rider.

3In the case of a claim for a critical illness of Group 1- Cancer or Group 2 – Illnesses Related to Organ Failure under this rider benefit, if this critical illness incurs after an approved claim for a critical illness of Group 1, the date of diagnosis or surgery date of this critical illness shall be after the expiry of a 5-year Cancer-Free Period in relation to the immediately preceding approved Group 1 claim. If the critical illness of the Critical Illness Benefit paid under the Basic Plan / Basic CI Rider is Terminal Illness, the first multiple claim under this rider benefit can be made from any group of critical illnesses, provided that the date of diagnosis or surgery date of the critical illness of such claim shall be at least 5 years from the date of diagnosis of such Terminal Illness. The “5-year Cancer-Free Period” must be determined by the insured’s treating doctor(s) to confirm the cancer-free state of the insured for the whole duration of the last 5-year period. The cancer-free state must also be confirmed and supported by clinical, radiological, histological and laboratory evidence and evidence of all other relevant investigative methods available at that time. Cancer-free state means there is no sign or symptom of any malignant growth. The 5-year Cancer-Free Period shall start on the completion date of treatment for critical illness of Group 1. Treatment for such critical illness shall include any surgery, chemotherapy, radiation therapy, immunotherapy, monoclonal antibody therapy or other conventional cancer treatments that have been used as prescribed by the insured’s treating doctor(s).

4For a claim regarding Multiple Sclerosis, the insured must survive for at least 30 days following the date of diagnosis.

5The date that any signs or symptoms first occurred of such critical illness shall be at least 90 days after the issue date, effective date or last reinstatement date of this rider benefit, whichever is later.

The above information is for reference only. It does not constitute any offer for a policy. This rider is subject to the items conditions and exclusions of the relevant provisions. Please refer to relevant Policy Document for details of this rider.


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 Critical Medical Care Insurance Plan

  • The Critical Illness Benefit covers 34 common critical illnesses including female diseases such as breast and cervical cancer.
  • The unique Major Medical Care Benefit reimburses a wide range of surgical, hospitalization and related expenses in respect of specified major illnesses, surgery and Long Term Care. This benefit is payable in addition to any claims paid for critical illnesses.
  • A death benefit equal to 100% of the Face Amount is paid directly to your beneficiary if misfortune strikes. This amount is paid in addition to any other benefits. This will be doubled if you have not received any payments under the Critical Illness Benefit.
  • After we pay you an amount for the Critical Illness or Major Medical Care Benefit, your premium is immediately waived and your coverage continues for free.
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 Living Master Benefit

  • The Critical Illness Benefit provides exceptionally comprehensive coverage for 48 common critical illnesses and disabilities by advancing the death benefit and policy values payable under your basic plan.
  • The Recurring Benefit will be payable with no further premium required if Cancer, a Heart Attack or Stroke recurs within a specified coverage period.
  • The additional Life Stage Benefit that covers Juvenile, Female / Male Illnesses and Golden Years Condition cares for your needs at different stages of life.
  • The Value-added Benefit provides you with one of the following professional services of your choice:
    • Second Medical Opinion Service, which is provided by a third party company, Inter Partner Assistance Hong Kong Limited. This service is not guaranteed renewable.
    • Psychological Counselling Service (Maximum cap USD1,250 / HKD10,000)
    • Dietetic Therapy Service (Maximum cap USD1,250 / HKD10,000)
  • The optional Multi Protection Benefit rider provides you multi critical illness protections.

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 Living Master Extra Benefit

  • The Critical Illness Benefit provides exceptionally comprehensive coverage for 48 common critical illnesses and disabilities. This is a top-up coverage in addition to your basic plan life insurance.
  • The Recurring Benefit will be payable with no further premium required if Cancer, a Heart Attack or Stroke recurs within a specified coverage period.
  • The additional Life Stage Benefit that covers Juvenile, Female / Male Illnesses and Golden Years Condition cares for your needs at different stages of life.
  • The Value-added Benefit provides you with one of the following professional services of your choice:
    • Second Medical Opinion Service, which is provided by a third party company, Inter Partner Assistance Hong Kong Limited. This service is not guaranteed renewable.
    • Psychological Counselling Service (Maximum cap USD1,250 / HKD10,000)
    • Dietetic Therapy Service (Maximum cap USD1,250 / HKD10,000)
  • The optional Multi Protection Benefit rider provides you multi critical illness protections.

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Lavender Lady's Benefit

  • Lavender Lady's Benefit covers a range of carcinoma-in-situ and cancer, including breast, cervix uteri, uterus, ovary, fallopian tube and vagina, as well as common female-specific critical illnesses.
  • A daily Get-Well-Soon Benefit is payable if you are hospitalized due to an accident.
  • Free medical check-ups will be offered every two years in the first 10 years after the benefit effective date.
  • With our Back-To-Beauty Benefit, you will be reimbursed for facial reconstruction and skin grafting expenses arising from an accident.
  • The Mental Well-Being Benefit reimburses you for the consultation fees for bereavement therapy following the death of your spouse or child for postnatal depression.
  • Complimentary Accidental Death Benefit is offered to your spouse and children.
  • The optional Carnation Pregnancy Cover provides dedicated protection, covering pregnancy complications and congenital anomalies.

Carnation Pregnancy Cover

  • The Carnation Pregnancy Cover provides comprehensive coverage against a wide range of pregnancy complications and congenital birth defects.
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 Child Accident and Illness Benefits

  • This benefit will pay out a cash lump sum to help you pay for medical expenses if the insured child suffers from one of the specified Critical Conditions such as Hemophilia.
  • A cash lump sum will be paid if the insured child loses a limb, his/her sight, or suffers from major burns in an accident.
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SunHealth Medical Care Rider – Provide all-rounded Hospitalization Benefits

The new SunHealth Medical Care Rider offer you the most caring benefits to suit your needs. Stay healthy and enjoy 15% No Claim Discount, or rest assured that you can receive quality medical treatment with our most comprehensive range of hospitalization and surgical expenses coverage.

  • Yearly renewal - SunHealth Medical Care Rider offers low premium1 amount at the start which you can start your medical protection more easily at a younger age.
  • We are committed to continuing to provide coverage to you, and the automatic renewal is guaranteed until the Benefit Anniversary on or immediately following the Insured’s 100th birthday for the rider2.
  • Unique on the market - Guarantee your future insurability - When you reach the age of 30, 40, 50 or 60, you can purchase a new medical plan regardless of the health status at that time with guaranteed insurability3.
  • The policy issue age is up to 75 - As we get older, we naturally have a higher chance of getting sick and need more health care. In addition, you can purchase these plans for your parents as a caring gift.
  • Loyalty Bonus - While the plan is in effect, on every 10th Benefit Anniversary, a Loyalty Bonus equivalent to 5% of the standard annual premium4 of the plan will be paid to you as a token of appreciation for being our loyal customer.
  • Family Care Benefit5 - You can select one of the caring services including Parental Care, Child Care, Spouse Care and Pet Care at no extra premium and these special and exclusive services can be arranged within 24 hours or 2 working days after the approval of your claim for this benefit.
  • Broadens health insurance coverage to 3 levels - Prevention, Care and Recovery
    Prevention:
    • You can enjoy the best No Claim Discount on the market simply by staying healthy – A premium discount of 15% for SunHealth Medical Care Rider will be rewarded if no hospitalization claim has incurred during the last 2 consecutive policy years or more. Even claims relating to clinical surgery will not affect this privilege.
    • 2 pre-surgical out-patient visits6 within 3 months before the surgery will be paid for if you are unfortunately diagnosed by a doctor that you need to undergo a surgery due to an illness or accident.
    Care:
    • You can receive the best possible medical treatment and care - SunHealth Medical Care Rider reimburses a full range of hospitalization and surgical expenses.
    Recovery:
    • You just need to concentrate on getting well after surgery - All related follow-up out-patient visits6 will be paid for within 3 months immediately after the surgery. To facilitate your speedy and full recovery after discharge or a surgery, it also covers home nursing, chiropractic, acupuncture and physiotherapy treatments.
  • Optional Supplementary Benefit
    • This Optional Supplementary Benefit can be purchased with SunHealth Medical Care Rider.
    • Reimburses 80% treatment expenses in excess of the maximum amount paid under the Schedule of Benefit of Hospitalization and Surgical Expenses Insurance Plan. The reimbursement percentage will be adjusted to 40% for any treatments and services taken outside Hong Kong except hospitalization due to an accident.
  • Optional Female Benefit
    • This Optional Female Benefit can be purchased with SunHealth Medical Care Rider.
    • This benefit covers medical cost arising from complications of pregnancy and congenital illnesses of newborn babies, and provides a medical check-up every 2 years with no extra cost.
1 Premiums are not guaranteed and may be revised to reflect the policy experience (e.g. claim experience), medical inflation and benefit changes over time.
2 The automatic renewal is guaranteed until the Benefit Anniversary on or immediately following the Insured's 76th birthday for Optional Supplementary Benefit (if applicable) and 50th birthday for Optional Female Benefit (if applicable).
3 Only available to HKID cardholders with no extra exclusions and extra premiums. The Insured can only exercise this option once per life, subject to our then maximum medical coverage per life. This option is only available to Plan 1 and Plan 2.
4 The premium is determined based on annual payment mode before No Claim Discount, excluding premiums on supplementary benefits and extra premiums.
5 The Family Care Benefit is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.). The benefit and service are not guaranteed renewable. Please refer to the SunHealth Valued Added Services leaflet for details.
6 Pre- and Post-surgical Out-patient care visits are subject to the same benefit cap.
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Hospital Income Benefit

  • While you are confined in the hospital, this benefit gives you a daily income for up to 1,000 days per disability.
  • The total maximum benefit payable is up to HK$1 million.
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 SunCare Accident Protection Plan

  • Provides a comprehensive range of coverage including:
    • Accidental Death, Total Disability and Dismemberment
    • Accidental Medical Expenses
    • Accidental Hospitalization Allowance
  • One premium for different occupational classes
  • Double Indemnity on Accidental Death, Total Disability and Dismemberment Benefit under specified conditions
  • No-Claim Bonus up to 50% top up of your original Amount of Benefit
  • Free Worldwide Emergency Assistance Benefit*

* All services under this benefit are provided by a third party company, Inter Partner Assistance Hong Kong Limited, and it is not guaranteed renewable.

Download SunCare Accident Protection Plan Product Leaflet for details.
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Accident Benefit

  • This Benefit reimburses a full range of hospitalization and outpatient expenses incurred by an accident.
  • A weekly benefit is payable for up to 104 weeks if you are confined to the hospital or able to work temporarily.
  • In the event of death, permanent total disability or loss of a limb, speech, sight of hearing, a cash lump sum will be paid.
  • The amount payable upon temporary and permanent disability, dismemberment and accidental death will be doubled if you are a passenger in a public transport conveyance or in a public building when an accident happens.
  • If you do not lodge any claims under this rider for 12 months after renewal, the amount payable upon accidental death, permanent disability and dismemberment will be topped up by 10%, to a maximum of 50% of the original Face Amount.
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Accidental Death Benefit

  • In the event of death due to an accident, a lump sum benefit in addition to the basic plan coverage will be paid.
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Accidental Death & Disability Plus Benefit

  • This Benefit pays a cash lump sum on top of the basic plan coverage upon the death of the Insured caused by an accident.
  • A lump sum benefit is payable in the event of permanent inability to work or loss of a limb, speech, sight, or hearing.
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Tender Care Benefit

  • Tender Care, reimburses medical expenses, including treatments provided by a Chinese herbalist or bonesetter, which result from injuries due to an accident.
  • You will receive a special daily allowance for up to 90 days if the insured child is hospitalized after an accident.
  • A cash lump sum will be paid to you upon the tragic death or loss of a limb or sight of the insured child. These benefits will be doubled if your child is a passenger in a school bus or other public transport conveyance when the accident occurs.
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Owner Benefit upon Death

  • Upon death of the policy owner, the basic plan and supplementary benefit premiums will be waived. If this Benefit is attached to Rainbow Graduate, Sun Life Financial will pay regular contributions to the plan.
  • The benefits will last until the Insured turns 25 or the payment term of the basic plan ends, whichever is earlier.
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Owner Benefit upon Disability or Death

  • If the Policy owner dies or is totally disabled before age 60, the basic plan and supplementary premiums will be waived during the period of disability. If this Benefit is attached to Rainbow Graduate, Sun Life Financial will pay regular contributions to the plan.
  • The benefits will last until the Insured turns 25 or the payment term of the basic plan ends, whichever is earlier.
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Total Disability Benefit

  • If the Insured is totally disabled between age 16 and 60, the premiums of specified basic plans and supplementary benefits will be waived during the period of disability.
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Advance Payment Disability Benefit

  • If the Insured is totally disabled before age 60, Sun Life Financial will pay an annual benefit by advancing the Face Amount of your Basic Plan every year, up to 10 instalments during the period of disability.
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Crisis Advance Rider

  • Two years after the policy is issued or reinstated, whichever is later, if the Insured is diagnosed with a terminal illness with no more than 12 months life expectancy, we will advance the death benefit, up to 60% of the basic plan Face Amount, as a policy loan.
  • The maximum advanced payment is up to US$30,000 per life.
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Worldwide Emergency Assistance Benefit

  • In the event of an emergency anywhere in the world, this benefit provides comprehensive cover such as transfer to a hospital, pre-paid deposit of up to HK$40,000 for hospital admission, emergency rescue and repatriation services.
  • All services under this benefit are provided by Inter Partner Assistance Hong Kong Limited.
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Purchase Option

  • This option allows an Insured who is aged 50 or below when the basic plan matures, to buy a new policy for the same Face Amount without any underwriting or medical examinations.
  • If the Insured is aged 16 or below when the original basic plan is issued, up to five times of the original Face Amount can be purchased.
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Guaranteed Insurability Benefit

  • Two years after the policy is issued, the policy owner can buy a new whole life or endowment plan for the Insured without any underwriting or medical examinations.
  • When this option is exercised, the Insured must be aged between 24 and 45.
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Value Plus

  • This benefit allows the policy owner to increase coverage by paying an additional premium every year.
  • Cash value will be accumulated in this benefit.
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The above information is subject to the terms, conditions and exclusions of the respective policy and benefits.
Please refer to the relevant policy documents for details.


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