SunHealth UltraCare and SunHealth MaxiCare

SunHealth UltraCare and SunHealth MaxiCare are comprehensive all-in-one critical illness plans, which provide you with whole-life coverage with a savings element, and cover up to 132 illnesses.

SunHealth UltraCare provides a total coverage of up to 300%1 of the Original Sum Assured covering Early Stage Critical Illness Conditions and Major Stage Critical Illness Conditions, while SunHealth MaxiCare provides a total coverage of up to 1000%1 of the Original Sum Assured with additional coverage from the multi-protection coverage on Early Stage Critical Illness Conditions and Major Stage Critical Illness Conditions.


Highlights:

  1. Enhanced Benefit 10 provides additional 50% of the benefits claimed in the first 10 policy years2
  2. Early Stage Booster Benefit allows you to claim maximum twice from the designated Early Stage Critical Illness Conditions3
  3. Well-protected with the Diabetes Protector Benefit which offers additional 25% of the Original Sum Assured
  4. Recurring Benefit for Cancer, Heart Attack or Stroke gives you protection where it’s most needed
  5. Multi-Protection Benefit under SunHealth MaxiCare offers up to additional 800% of the benefits claimed for Major Stage and Early Stage Critical Illness Conditions
  6. Five premium payment terms to meet different needs
  7. Enjoy peace of mind with rider benefits

Remarks:

  1. Terms and conditions of benefits and exclusions apply. Please refer to the Policy for details.
  2. Applicable when one of the Early Stage Critical Illness Benefit, Major State Critical Illness Benefit, Early Stage Booster Benefit, Diabetes Protector Benefit, Recurring Benefit or Death Benefit is payable within the first 10 policy years.
  3. Early Stage Critical Illness Conditions include Carcinoma-in-situ or Early Malignancy, Angioplasty and Other Invasive Treatments for Coronary Artery Disease, Insertion of Pacemaker or Defibrillator, and Angioplasty and Other Surgeries for Carotid Arteries.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product brochure and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product brochure of SunHealth UltraCare and SunHealth MaxiCare.

Download the hospital list for Severe Psychiatric Illness.

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Additional Rider benefits:

One Year Term Benefit / Five Year Term Benefit is an optional rider benefit offering essential life protection at an affordable premium. It is guaranteed to be renewable up to age 80, giving you peace of mind. You have the option of converting all or part of the Sum Assured of the One Year Term Benefit / Five Year Term Benefit into a whole-life basic plan with the same or lower Sum Assured to enhance your flexibility to allocate your resources when other obligations arise.

In an unfortunate event that the insured, who is the person, covered under this policy, passes away; a Death Benefit will be paid to the beneficiaries in a lump sum to help them manage their financial needs. Once the Death Benefit has been paid out, the policy will be terminated.

Remark:

  1. These rider benefits can only be attached to designated basic plans. Please contact your Advisor for details.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions and full terms and conditions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of One Year Term Benefit / Five Year Term Benefit

Owner Benefit upon Death / Owner Benefit upon Disability or Death is an optional rider benefit that you can add to your Sun Life insurance plan1.

With Owner Benefit upon Death / Owner Benefit upon Disability or Death, the premium of your Basic Plan and all attached rider benefits (including this one) will be waived2 as follows.

The premium will be waived if
  Owner Benefit upon Death Owner Benefit upon Disability or Death
Initial Policy Owner3 passes away
Initial Policy Owner becomes totally disabled4

The premium will be waived until the child, as the insured who is the person protected under the Basic Plan, reaches 25 years of age, or the premium payment term of the Basic Plan and rider benefits (if any) comes to an end, whichever is earlier.

Remarks:

  1. These rider benefits can only be attached to designated basic plans (“Basic Plans”). Please contact your Advisor for details.
  2. The premium will only be waived until the Initial Policy Owner recovers from total disability.
  3. The Initial Policy Owner is the owner of the Basic Plan at the time this rider benefit is issued.
  4. The premium will be waived if the Initial Policy Owner becomes Totally Disabled before the age of 60. Totally Disabled means the Initial Policy Owner is: (i) continuously completely disabled for a period of no less than 6 consecutive months; (ii) continuously completely unable to carry on his/her own occupation in the first 2 years of disability and to carry on any occupation thereafter (for those who have no regular occupation, it means complete inability to carry on any occupation); and (iii) under the regular care and attendance of a doctor. Total and irrecoverable loss of sight in both eyes or loss of two limbs is automatically deemed as Totally Disabled. Please refer to the Policy Document for details.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Owner Benefit upon Death / Owner Benefit upon Disability or Death

Hospital Income Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1.

If you are hospitalized, this rider benefit provides fixed daily cash for up to 1,000 days per disability. Maximum benefit payable is up to HKD1,000,000/USD120,000. It also offers 3 plan levels to suit your budget.

Remark:

  1. This rider benefit can only be attached to designated basic plans. Please contact your Advisor for details.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Hospital Income Benefit

Tender Care Benefit is an optional rider benefit of Sun Life insurance plan1.

This rider benefit reimburses medical expenses and gives you a special allowance if the insured, who is the child protected under the Basic Plan, is injured in an accident.

We will pay out a cash lump-sum upon the death or loss of a limb or sight of the insured due to an accident. The amount of Accidental Injury Benefit will be doubled if the insured is a passenger in a school bus or other public transport conveyance when an accident happens.

Remark:

  1. This rider benefit can only be attached to designated basic plans (“Basic Plans”). Please contact your Advisor for details.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Tender Care Benefit

Accident Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1.

In the unfortunate event due to an accident that the insured, who is the person protected under the Basic Plan, passes away, a lump-sum payment on top of the Basic Plan coverage will be paid to the beneficiaries. The amount of Weekly Indemnity Benefit and Accidental Injury and Total Disability Benefit will be doubled if the insured is a passenger in a public transport conveyance over an established land route or in an elevator for passenger (elevators in mines and construction sites are excluded) when an accident occurs, or in a burning theatre, hotel or other public building before a fire starts.

If no claims are paid for 12 months before renewal, the amount of Accidental Injury and Total Disability Benefit will be topped up by 10%, accumulate to a maximum of 50% of the original Sum Assured.

Remark:

  1. This rider benefit can only be attached to designated basic plans (“Basic Plans”) . Please contact your Advisor for details

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Accident Benefit

Total Disability Benefit is optional rider benefits that you can add to your Sun Life insurance plan1.

With Total Disability Benefit, the future premium of the Basic Plan and all eligible rider benefits2 attached will be waived3 in the unfortunate event that the insured, who is the person protected under Total Disability Benefit, becomes Totally Disabled4 before the age of 60. The premium waiver will continue as long as the insured remains Totally Disabled. That way, you can continue to have protection and benefits under your Basic Plan without having to pay the premium while you’re unable to work.

You can also attach the Advance Payment Disability Benefit5 to your Total Disability Benefit to offset some daily expenses that may become a burden. Advance Payment Disability Benefit provides annual advance payments in a maximum of 10 equal yearly instalments in the unfortunate event that the insured becomes Totally Disabled before the age of 60, helping the insured to pay for medical expenses and other living costs.

Remarks:

  1. These rider benefits can only be attached to designated basic plans (“Basic Plans”). Please contact your Advisor for details.
  2. Please contact your Advisor for eligible rider benefits.
  3. If the insured recovers from Total Disability, the premium waiver will end.
  4. Totally Disabled means that the insured is (i) continuously disabled for a period of no less than 6 consecutive months; (ii) continuously unable to carry on his/her own occupation in the first 2 years of disability and to carry on any occupation thereafter (for those who have no regular occupation, it means complete inability to carry on any occupation); and (iii) under the regular care and attendance of a doctor. Total and irrecoverable loss of sight in both eyes or loss of two limbs is automatically deemed as Totally Disabled. Please refer to the Policy Document for details.
  5. Advance Payment Disability Benefit can only be purchased together with the Total Disability Benefit.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product leaflet and Policy Document for details including definitions, full terms and conditions, and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Total Disability Benefit


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