Our Products Traditional Life Insurance Investment-Linked Insurance Universal Life Insurance Guaranteed Interest Fund 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 One Year Term & Five Year Term Benefit Critical Illness Coverage Critical Medical Care Insurance Plan Living Master Benefit Living Master Extra Benefit Lavender Lady's Benefit Carnation Pregnancy Cover Child Accident and Illness Benefits Hospitalization Coverage Hospitalization and Surgical Expenses Benefit 07 Hospital Income Benefit Accident Benefit Accident Benefit Accidental Death Benefit Accidental Death & Disability Plus Benefit Tender Care Benefit Child Accident and Illness Benefits Disability Coverage Owner Benefit upon Death Owner Benefit upon Disability or Death Total Disability Benefit Advance Payment Disability Benefit Free Benefits Crisis Advance Rider Worldwide Emergency Assistance Benefit Purchase Option Other Benefit Guaranteed Insurability Benefit Value Plus 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. return to top 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. return to top 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) return to top 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) return to top Lavender Lady's Benefit Lavender 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. return to top Carnation Pregnancy Cover The Carnation Pregnancy Cover provides comprehensive coverage against a wide range of pregnancy complications and congenital birth defects. return to top 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. return to top Hospitalization and Surgical Expenses Benefit 07 With the Hospitalization and Surgical Expenses Benefit 07, you get high quality medical protection until age 100. This Benefit covers a full range of hospitalization and surgical expenses, as well as special out-patient treatments including chiropractic, acupuncture and physiotherapy. You can also add the Optional Supplementary Benefit 07 to further reduce your medical expenses, and the Optional Female Benefit 07 for mothers-to-be. If the insured is a child or an elderly person, the Plan covers the cost of an extra bed so that a member of the family can stay overnight in hospital to comfort the patient. Cover extends to home nursing to ensure the best possible care after discharge from hospital. If the insured is a HKID cardholder and is hospitalized in the general ward of a Hong Kong Government hospital, we pay daily cash benefit up to HK$2,000 every day. Optional Female Benefit 07 This Optional Female Benefit 07 can be purchased with Hospitalization and Surgical Expenses Benefit 07. This benefit covers medical cost arising from complications of pregnancy and congenital illnesses of newborn babies, and provides a medical check-up with no extra cost. Optional Supplementary Benefit 07 This Optional Supplementary Benefit 07 can be purchased with Hospitalization and Surgical Expenses Benefit 07. Reimburses 80% treatment expenses in excess of the maximum amount paid under the Schedule of Benefit of Hospitalization and Surgical Expenses Benefit. The reimbursement percentage will be adjusted to 40% for any treatments and services taken outside Hong Kong except hospitalization due to an accident. return to top 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. return to top 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. return to top Accident 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. return to top 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. return to top 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. return to top 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. return to top 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. return to top 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. return to top 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. return to top 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. return to top 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. return to top 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. return to top 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. return to top 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. return to top 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. © 2006, Sun Life Hong Kong Limited. All rights reserved. This site is best viewed with Microsoft Internet Explorer 5.5 SP2 128 bit encryption or higher.