積極聯繫 讓您體驗更多
永明金融本著「以客為本」的信念，用心照顧每位客戶的個別需要，同時致力主動與您聯繫。立即瀏覽最新一期電子通訊，體驗更多貼心服務。
積極聆聽: 客戶服務問卷
永明金融致力為客戶提供優質及個人化服務，我們以「客戶為先」作為我們的服務原則及承諾，盡量做到每一次與客人接觸時都能提供稱心的服務，甚至為客人帶來驚喜，從而令客戶感受到永明金融對他們的重視及關心。而最能使客戶感受到我們的服務承諾莫過於在日常服務中透過客戶問卷以達到積極聆聽 ，主動跟進，不斷提升服務水平的目標。
網上客戶問卷
當客戶與永明金融的顧問及服務團隊接觸後，我們都會隨機發出短訊邀請客戶進行服務問卷去了解我們的服務質素及客戶滿意度，在收到客戶給予我們的服務評分及意見後，我們會定期對結果進行分析並找出改善空間，將客戶所提出的意見在公司內分享及交予有關部門去研究實施的可行性。
流動應用程式內問卷表格
自從永明金融推出My Sun Life HK 流動應用程式後，客戶可透過此一站式數碼平台去瀏覽其保單及受保範圍資料，進行自助服務及接收最新通訊等。我們特意於流動應用程式內建立了問卷，每次客戶離開流動應用程式時都會邀請客戶提供意見，然後根據所得意見去進行改善的地方。如有需要解釋或跟進，客戶服務部會主動與客戶聯絡。
透過以上服務問卷調查，希望我們能更了解及貼近客戶的需要，提升服務質素，致力令客戶活出所想。
退「優」新招：豐碩延期年金計劃
電子保單合約: 輕鬆查閱、保存易
以往大家購買保險後，保單合約可能會透過郵遞送到大家手上，除了郵遞耗時之外，保單合約在細閱後就隨手放在家中某個角落，等到需要查閱時才東翻西找，實在費時耗力。
我們了解您的需求，現在您只要動動手指，就可以在 My Sun Life HK 流動應用程式內輕鬆查閱電子保單合約，清楚看到保單保障、全家保障詳情以及詳細條款。從此不用擔心遺失保單，亦可隨時隨地查閱多份保單，既安心又方便，更能實踐環保。
新支付方式：收款快又易
為了讓客戶可以專心處理眼前更重要的問題，從此不用等待支票郵遞送到手上的繁瑣負擔，現在您只需要申請更改支付方式，就可以通過由香港金融管理局推出的「轉數快」直接轉賬至用作本地轉賬的銀行賬戶*。
此「轉數快」支付方式適用於部份恆常支付服務，例如恆常派發的紅利、積存基金和期滿利益等。
即刻選用「轉數快」支付，收款快速又容易，就這麽簡單！
*「轉數快」快速支付系統（「轉數快」）註冊賬戶及用作本地轉賬的銀行賬戶持有人必須為保單主權人，而名稱排列必須完全一樣
來自客戶的聲音: 如何主動協助客戶
永明金融致力為客戶提供優質服務，收到不少客戶的讚賞，表揚不同部門的同事認真盡心地為客戶解決問題，以下是其中兩則小故事 :
故事 一 : 客戶服務主任主動了解客戶資金周轉需要，協助解決困難
今年3月初，一位年屆60歲女士致電查詢退保手續，我們客戶服務主任施小姐主動關心客戶退保原因，以了解永明金融是否有空間可以做得更好，後來知道到該女士已退休及急需資金周轉，以為退保為唯一解決方法。明白客戶的需要後，施小姐留意到該女士的保單於3月底已無需再付保費，並會繼續享有個人壽險保障直至100歲。若當時申請退保，對客戶來說不但會失去保障，更會損失日後派發的紅利及積存基金。
施小姐耐心及詳細講解保單內容，讓客戶了解到保單於同月月底會派發可隨時提取的積存基金25萬港元，該筆金額已足夠應付客戶的財務需要，因此客戶最後決定提取積存基金及保留保單。
該客戶表示，非常滿意施小姐了解她的需要之餘，更會由客戶角度出發，為她提供最適切的解決方案渡過難關，深切地感受到我們對每位客戶及其家人的支持與關懷！
故事 二 : 生病了? 迅速住院免找數服務幫到您
不幸生病時，不只惆悵去找醫生、醫院安排治療，亦要擔心一旦失業後的生活開支問題，更可能要面對天文數字的醫療費用，普通人都未必可能應付到的心理及經濟壓力，何況生病中的病人? 永明金融提供的住院免找數服務的快速安排及以人性化服務去緊貼您的個案能幫到您安心及減輕您的財務負擔!
李女士(化名)不幸地於2019年6月發現乳房有異常問題，經抽針檢查發現可能患有惡性腫瘤。幸好在兩年前李女士已購買了我們的一個高端醫療計劃，李女士便於2019 年7月申請住院免找數服務。雖然保單年期只有兩年，但理賠部明白客戶的擔憂及想儘早安排接受治療的意願。經我們理賠部經理的連夜跟進，終於在李女士入院前成功批核住院免找數服務。得到住院免找數服務安排，李女士終於可以安心地在香港最頂級的私家醫院之一接受治療而不用顧慮數以十萬計的醫療費用!
自願醫保計劃，理賠專家怎樣看？
自願醫保的投保年齡範圍更廣及可扣稅等好處人人皆知，然而從理賠專家的角度來看，這項新計劃又有何獨家優勢？
永明金融理賠專家擁有多年審核理賠個案的經驗，當客戶遇上意料之外，當然希望盡量助其渡過難關。「有時眼見客戶正盡力接受化療、標靶藥等非手術癌症治療或精神病治療，卻因市面上一般傳統醫保條款限制而未能獲得賠償，難免感到可惜。」然而上述提及的情況，自願醫保如今都有機會保得到！ 永明金融全新推出的自願醫保靈活計劃「永明港稱心醫療保」，更加設無索償折扣和心臟復康診療保障等額。至今我們亦已接獲許多查詢，當中更有為數不少是希望為父母購買保障的年輕人。立即了解永明港稱心醫療保！
拿起手機！保單詳情速知法
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困難時刻，總是特別焦急。醫生建議做手術，想當場即知保不保？遞交申請後，又想第一時間知道賠償進度？深夜放工，才有時間幫家人看看保障額？拿起手機就OK！您不僅可在 My Sun Life HK流動應用程式內輕鬆查閱電子保單及全家保障詳情，「電子索償」功能更可讓您快速遞交索償，文件即影即上載，兼全程追蹤理賠進度。
此外，我們的網站亦特設「索償專頁」，有需要時您即可迅速查閱個人保險索償所需資料及下載所需表格。
賠償與科技應用，轉數同樣夠快
我們作為全港首間應用「轉數快」予理賠服務的保險公司，讓您以後除了與好友食飯AA制可以即時轉賬，只要用「電子索償」賠償同樣快至24小時過數*，更曾有客戶在遞交索償後2分鐘內已確認收到賠償金額！電子化理賠流程除了可為環保出一分力，更重要的是讓我們倍加專注滿足您的所需。
*只限個人意外保障。所涉及的文件及資料須齊備及有效並透過My Sun Life HK 流動應用程式提交，而客戶亦須選擇香港金融管理局的快速支付系統「轉數快」作為支付方式。須受「轉數快」及My Sun Life HK流動應用程式相關的條款及細則約束。
落力為您好，只想保得到
永明金融的理賠專家團隊為關顧每位客戶的需要，盡力審核每個理賠個案之餘，亦深感關鍵時刻其實「不外乎人情」，務求減輕客戶及家屬的繁瑣負擔，讓其無後顧之憂，專心處理眼前最重要的問題。
曾有一名投保多年的高齡客戶因意外不幸離世，我們在考慮各項因素及衡量緩急後，就因事出突然及其家庭狀況而決定酌情處理，特別安排提早賠償。此外，另一位客戶的個案需遞交大量文件證明，而受保人及受益人皆已逝世，客戶同時面對多方面壓力，單獨一人努力亦恐怕難於預期內獲得所有所需資料。故我們的理賠專家為其迅速翻查保單為客戶對此特別情況的釋除疑慮之餘，亦與理財顧問密切跟進及主動向醫院直接索取相關報告。能成功幫助客戶批核索償，亦正是讓我們對這份工作最滿足的一環。
升級服務體驗，因您載譽
想當天您購買保險，無非希望遇上意料之外時能將損失減至最低。香港永明金融專業理賠團隊深知工作使命重大，真正任務豈止裁定賠償般簡單。因此我們在拓展「以客為本」方面從不停步，早前更有幸於《彭博商業周刊/中文版》舉辦的「金融機構大獎2019」獲得理賠管理 - 卓越大獎。未來我們將延續數碼化旅程，憑藉 My Sun Life HK流動應用程式 令客戶體驗流程更趨簡單完善，讓您繼續放心自主管理保障及遞交索償。
全新客戶網上平台已上線！
全新的My Sun Life HK網上平台已正式登場，取代舊有的個人壽險網上服務（e-Services）。新推出的網上平台保留原有的服務，並將陸續加入多項新功能，為您提供更齊全的保單資訊，讓您隨時隨地都可查閱有關保單的最新動向。
全新設計介面：以My Sun Life HK流動應用程式為藍本，設計簡約易用，使用更方便清晰。您可輕鬆查看名下所有保單的資料，一切保障、保單價值、儲蓄隨時一目了然。
支援多款電子產品，不分地域：一機在手，保單資訊應有盡有。無論身在任何地方，您都可利用桌面及平板電腦、手機等電子產品登入My Sun Life HK網上平台，輕鬆查閱保單資料。
電子保單服務：於「我的保單」頁面即可查閱保單資料及文件，包括保單合約、週年報告及結算單等。您可透過手機或電腦輕鬆簽收電子版本的保單，更可將保單文件發送至您的電子郵箱作將來參考之用，省時、環保又方便！
保單服務申請：您可透過網上平台遞交各項保單相關服務的申請，例如自行更新帳戶資料；提交基金轉換、編輯將來供款分配等的指示亦是短短數分鐘便可完成，相對於書面申請更省時快捷。
立即開始使用為您而設的My Sun Life HK網上平台，感受電子服務的便捷，同時支持環保，展開您的綠色生活！
在家工作食不停 增磅兼增加患糖尿病風險
過去數月，相信不少人都因為疫情關係需要在家工作，而我們生活習慣亦有所變更；因應限聚令，在家下廚或叫外賣更成為了新常態。我們於9月委託生活易於進行了「疫情下港人飲食習慣轉變」調查，透過網上問卷訪問916名年齡介乎20至55歲的港人。調查結果發現不少港人於疫情期間的飲食及運動習慣均有轉變，例如每天進食及叫外賣次數增多、運動量大幅減少等。
港人於疫情期間食更多零食 令體重增加
以下為部分「疫情下港人飲食習慣轉變」調查的結果（詳細數據可參閱附表）：
- 體重增加：55％受訪者在疫情期間增磅，即每兩人就有一人在此期間發胖。
- 叫外賣次數增加：72％受訪人士在疫情期間曾叫外賣，33％受訪者因疫情比以往增加叫外賣次數。
- 吃更多零食：43％成受訪者多了吃零食，當中最常吃薯片、餅乾和雪糕，平均一星期更吃3次。
- 一日多餐：9成半人更表示日吃4至5餐。54％男士表示一日多餐的主要原因是在家工作沒有固定用膳時間，而52％女士則表示要以食物來對舒緩抗疫期間的鬱悶，似乎女士比男士更傾向依賴食物舒緩鬱悶。
- 運動量減少：41%受訪者完全沒有運動習慣，僅8%受訪者每週運動量達150分鐘或以上。
港人普遍對糖尿病認知不足
註冊營養師劉惠汶指出，失衡飲食加上嚴重缺乏運動除了會導致體重增加，更有機會增加患糖尿病的風險。調查亦顯示港人普遍對糖尿病認知仍存誤解，其中之一是以為糖尿病與進食糖份畫上等號，誤以為經常進食高糖食物可引致糖尿病，或認為糖尿病患者應避免進食米飯及應戒掉所有含糖食品及澱粉質。
劉惠汶亦表示，事實上，過重或肥胖及缺乏運動是引致二型糖尿病的主要因素，未必單單與糖分攝取有關。過重或肥胖人士的體脂過多，可令身體細胞對胰島素產生阻抗，引致血糖水平過高。現時香港每10個二型糖尿病患者中，有9個都出現超重或肥胖的問題，簡稱為「糖胖症」。二型糖尿病患者可多選擇有助穩定血糖的低升糖指數碳水化合物，同時配合帶氧及阻力運動，增加熱量消耗並有助改善身體對胰島素的敏感度，保持血糖水平健康。
外賣及健康飲食小貼士
對於健康及均衡飲食，註冊營養師劉惠汶有以下建議：
- 多選擇建議以新鮮食材如肉絲及肉片，盡量避免進食含有較多飽和脂肪的加工肉類如火腿、腸仔及午餐肉；長期攝取過多飽和脂肪有機會影響體重及心血管健康。
- 盡量避免飲用湯粉麵的湯底，同時攝取充足清水以排走體內多餘鈉質。長期攝取過多鈉質有機會影響血壓及容易出現水腫情況。
- 避免食用肉類的皮層、腩位及近骨等含有較多脂肪的部位；可多選擇魚類及海鮮，不但含豐富蛋白質，同時其飽和脂肪含量較少。
附表
表一：疫情令港人飲食習慣之改變
| 疫情令港人飲食習慣之改變 | 百分比* | |
| 1 | 多食零食 | 43% |
| 2 | 正餐以外增加入廚機會 | 35% |
| 3 | 多食下午茶或宵夜 | 23% |
| 4 | 變成一日多餐 | 18% |
*可多選題目
表二：港人5大最愛抗疫零食
| 排名 | 零食 | 百分比* | 每星期平均 進食次數 | 熱量/千卡 （每100克） |
| 1 | 薯片／蝦片 | 56% | 3.2 次 | 530 |
| 2 | 餅乾／曲奇餅 | 46% | 3.7 次 | 410 |
| 3 | 雪糕 | 39% | 2.7 次 | 210 |
| 4 | 朱古力 | 32% | 3.3 次 | 540 |
| 5 | 蛋糕 | 31% | 2.5 次 | 360 |
*可多選題目
註冊營養師劉惠汶建議可替代的健康零食：原味果仁、無添加糖水果乾或凍乾（freeze-dried）水果片、高纖穀物棒、烤焗較低脂薯片、鹽味爆谷。
表三：港人疫情期間之運動習慣
| 年齡 | 沒有運動的習慣 | 每星期150分鐘或以上 |
| 25 歲以下 | 67% | 8% |
| 25至29歲 | 48% | 8% |
| 30至34歲 | 46% | 5% |
| 35至39歲 | 43% | 5% |
| 40至44歲 | 42% | 6% |
| 45至49歲 | 35% | 12% |
| 50歲或以上 | 26% | 15% |
表四：註冊營養師劉惠汶建議之外賣餐單及健康飲食貼士
| 建議外賣選擇 | 健康飲食貼士 |
早餐
| 加工肉類如火腿、腸仔及午餐肉含有較多飽和脂肪，長期攝取過多飽和脂肪有機會影響體重及心血管健康，建議以新鮮食材如肉絲及肉片取替。 以烚蛋或煎蛋代替炒蛋、多士走油減少油分吸收 |
午餐
| 街外的湯粉麵一般含有較高鈉，建議盡量避免飲用湯底，同時攝取充足清水以排走體內多餘鈉質。長期攝取過多鈉質有機會影響血壓及容易出現水腫情況。 |
晚餐
| 肉類的皮層、腩位及近骨部位含有較多脂肪，建議盡量避免進食。可多選擇魚類及海鮮，不但含豐富蛋白質，同時其飽和脂肪含量較少。 |
資料來源：香港永明金融「疫情下港人飲食習慣轉變」調查。
本文載列的所有資料僅供一般參考及健康知識分享用途。本文的統計數據由香港永明金融委託統計調查機構進行的調查所得。本新聞稿載列的所有資料並不擬提供任何形式的保證或醫療意見，亦不構成要約的招攬或要約，不應被視為任何合約或買賣任何保險產品的基礎。本文所載觀點可隨時更改，毋須事先通知。本文提供的資料根據相信屬可靠的資料來源，但香港永明金融有限公司、以及其聯營公司及董事和僱員（統稱「香港永明金融」）概不會作出任何明示或隱含的保證或擔保，亦不會就資料的準確性、效益及完整性作出陳述。香港永明金融概不就依賴本文所載任何資料或意見而招致任何虧損或損失負責。本文由香港永明金融擁有。未經香港永明金融事先同意，不得修改或變更。本文旨在香港派發，並不能詮釋為在香港境外提呈銷售、游說購買或提供任何香港永明金融的產品。
《環球短評》 每月為您分析全球投資趨勢
您知道全球投資者近期的討論焦點是什麼嗎？我們的資產管理首席投資策略師雷志海每月透過《環球短評》短片，深入淺出地為您解答投資疑難，以及分析投資市場正在發生的事件。您亦可在同一頁面找到更多投資及經濟相關資訊，了解環球市場的趨勢，為即將踏入的新一年做好準備。
按此回顧10月及11月份的《永明資產管理環球短評》（粵語，附帶中英文字幕），以及瀏覽分別每季及每月更新的《市場導航》和財經刊物專欄。
立即點擊此處，了解更多環球經濟及投資相關的資訊。
備註﹕影片內容及所有資料由永明資產管理（香港）有限公司刊發，只可作為一般參考指引及一般知識分享之用，並非任何形式之保證或投資意見，既不構成任何投資邀請或提呈，亦不可作為任何協議購買或出售產品的根據。
退休去邊好？
隨著人類預期壽命不斷遞增，退休後的時間亦相對延長，而選擇在哪處安享晚年成為了全民茶餘飯後的話題。到底不同地方的退休生活是怎麼的一回事？選擇去歐美、澳洲、國内還是留港生活會最適合自己？
立即按此瀏覽更多，讓您對自己的理想退休生活有更清晰的畫面，及早訂立全盤退休計劃。
今日唔知聽日事 退休就唔關您事?
今晚都唔知使唔使OT，仲諗咩退休喎？」
作為打工仔的您，是否都有這個想法？不要誤以為尚未到退休年齡就無需及早計劃，若您想將來「䟴䟴腳唔使做」，就要好好計算需要準備多少退休儲蓄，了解現在離您的退休大計還有多遠。「放長雙眼」盡早計劃好，自然可以及早退休享受人生！
立即試用退得「優」計算機，只需幾分鐘即可幫您計算退休需要多少預算，由現在開始一步一步達成您的理想退休大計！
疫情下的小學入學視像面試技巧
疫情持續，不少小學的入學面試將改為以視像方式進行，對孩子來說是新鮮事，家長亦可陪伴左右為子女增添安全感。
家長應如何為孩子作事前準備、管理他們的情緒及提升其專注力，幫助子女在「疫」境中增加勝算？專家認為情商管理在視像面試中是致勝關鍵。立即按此，由兩位專家教您怎樣為視像入學面試做好準備，還有其他加分小貼士！
安在家中都可了解環球市況與投資小貼士？《環球短評》幫到您
2020年還剩四個月，相信今年對全球各地來說都是充滿難關的一年：疫症、石油價格戰等重創了各國經濟，讓我們學會要多了解現正發生的事，為難以預測的將來做好準備。
每月推出的《環球短評》短片繼續由我們的資產管理首席投資策略師雷志海主持，於短短4分鐘內簡而精地講述近期的投資市場概況、環球經濟趨勢及投資小貼士等實用資訊。
您可透過此連結 收看7月及8月份的《永明資產管理環球短評》(粵語，附帶中英文字幕）。您亦可在同一頁面瀏覽更多市場觀點和投資相關資訊，包括每季更新的《市場導航》及每月更新的財經刊物專欄訪問，更深入了解投資及理財方面的知識。
立即點擊此處，與我們一同走進投資世界。
備註﹕影片內容及所有資料由永明資產管理（香港）有限公司刊發，只可作為一般參考指引及一般知識分享之用，並非任何形式之保證或投資意見，既不構成任何投資邀請或提呈，亦不可作為任何協議購買或出售產品的根據。
現在、將來？讓您再無憂慮
今日、退休，從此不用取捨。
永明金融為您提供合適的退休方案，結合強積⾦、健康保障、資產增值，分階段實現您的退休目標。全新的分紅保險計劃傳富儲蓄計劃 讓您以可負擔的保費達到潛在的可觀長線資產增長，更可使財富代代相傳。
即日起至2020年9月30日，成功投保符合以下首年年度化保費、保費繳付期及保費繳付模式要求的傳富儲蓄計劃，可享高達首年年度化保費16％保費回贈！
有關詳情包括產品特點、風險詳情及投資理念，請參閱相關產品推銷刊物 、宣傳單張及保單文件樣本，或與您的理財顧問聯絡。
參與Facebook Messenger遊戲 退得「您」想兼贏大獎
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三重投保優惠 讓財富價值三級跳！
購買保險可在最有需要時為自己及家人提供更佳的保障，原來還可以令財富增值？我們為您
帶來三重特別禮遇，協助您為未知的將來做好準備。
立即投保，開始為未來累積財富！
優惠1：傳愛儲蓄計劃（新產品）──2.5%保費折扣
全新推出的保險計劃傳愛儲蓄計劃有機會讓您的財富大大增加，以及更彈性地將財富傳承予下一代。於簽發保單時一次繳付所需保費，便可穩健而長遠地累積財富而無需任何手續費，甚至讓財富以倍數增長！
由即日起至2020年9月30日，只需成功投保傳愛儲蓄計劃，而保單於2020年12月31日前獲繕發，便可享已繳整付保費2.5%保費折扣。
優惠2：迎雋投資壽險計劃──回贈獎賞優惠
重要事項
- 「迎雋投資壽險計劃」（「本計劃」）是投資相連保險計劃（「投資壽險保單」），由香港永明金融有限公司（「本公司」）簽發的保單，因此您的投資受本公司的信貸風險所影響。
- 您就投資壽險保單支付的供款將成為本公司的資產的一部分。您對任何該等資產均沒有任何權利或擁有權。如追討賠償，您只可向本公司追索。
- 您的投資回報，是由本公司參照相關基金/資產的表現而計算或釐定。
- 保單的身故賠償受投資風險影響，可能大幅少於已繳供款。
- 您的投資壽險保單的投資回報會被徵收投資壽險保單內所列的費用，或會低於相關基金的回報。若您想知道更多有關本計劃的費用及收費的詳情，請參閱本計劃的銷售文件。有關用以支付計劃層面的總費用及收費所佔已繳保費的百分比，請參閱本計劃的產品資料概要。
- 提早退保或提取款項，或會導致損失大筆本金及/或所獲花紅。如相關基金表現欠佳，或會進一步擴大您的投資虧損，而一切收費仍會被扣除。
- 投資壽險保單所提供的各個投資相連基金的特點及風險狀況或會有很大差異，部分可能涉及高風險。
- 可供選擇的「相關基金」是列於投資相連基金簡介內的基金。這些基金可能包括證監會根據《單位信託及互惠基金守則》認可的基金，但亦可能包括未有受證監會根據《單位信託及互惠基金守則》認可但由本公司內部酌情自行管理的其他投資組合。
- 您在決定購買此產品前，您必須了解並明白這是適合您的產品。最後決定將取決於您。
- 投資附帶風險。不要只依賴此刊物提供的資料，有關風險因素的更多詳情，請小心細閱此計劃的銷售文件包括產品資料概要及主要推銷刋物（包括產品銷售書及投資相連基金簡介）。
「迎雋投資壽險計劃」特色：
- 此計劃是一項整付供款投資相連保險計劃，惟須符合美元8,000之最低整付供款之要求。
- 若受保人不幸身故，相等於保單價值105%的金額的身故賠償將一筆過發放予指定的受益人。
- 您有機會於首個保單年度完結時獲發額外獎賞，及於第4個保單年度完結時開始，每年獲發長期客戶獎賞，惟須受有關條款約束。額外獎賞及長期客戶獎賞將構成保單價值的一部分，並將被徵收本計劃於銷售文件內所列明適用之費用及收費。
- 您可隨時提取部份款項，惟須受有關條款約束，如於首四個保單年度作部份提取，亦須支付要求提取金額的最高 8.5%作為提早贖回費用。
- 如您於首4個保單年度內退保，須支付保單價值的最高8.5%作為提早贖回費用。因此，您的本金及 /或獲發之獎賞（如有）可能會蒙受重大損失。
- 此計劃會被徵收費用，包括行政費用、提早贖回費用、管理費用及相關基金費用。
（有關此計劃的詳情包括費用及收費及詞彙定義，請參閱「迎雋投資壽險計劃」之銷售文件。）
回贈獎賞
凡於 2020 年 7 月 1 日至 2020 年 9 月 30 日期間（包括首尾兩日）（「推廣期」），客戶成功投保此計劃及保單於2020 年 10 月 30 日或以前獲繕發，而於保單簽發時繳付的整付供款達美元 25,000 或以上，除可享現有之額外獎賞*外，更有機會尊享以下回贈獎賞！有關回贈獎賞將會以計劃內額外投資相連基金之名義性質單位（「額外名義性質單位」）形式派發。回贈獎賞將構成保單價值的一部分，並將被徵收本計劃於銷售文件內所列明適用之費用及收費。回贈獎賞將根據下表所列之有關整付供款金額計算及受以下所列之條款及細則約束。
註：以上獎賞比率並不代表您的保單中任何回報率或投資表現。
* 有關額外獎賞之詳情，請參閱「迎雋投資壽險計劃」產品銷售書內「雙重獎賞」部份。
回贈獎賞計算之說明例子
若客戶於回贈獎賞存入保單前（i）從保單中提取款項，或（ii）其保單巳退保或終止，客戶將不會獲發任何回贈獎賞。如保單於第一個保單年度內退保或終止，已存入保單之回贈獎賞的原本價值及任何從回贈獎賞所賺取之投資回報（如有），將於保單退保或終止時從保單中被收回。被收回之回贈獎賞將相等於（i）額外名義性質單位於被收回時的市場價值，或（ii）額外名義性質單位於存入保單時的原本價值，以較高者為準。請參閱下列例子。
回贈獎賞被收回之說明例子
例子 1：如保單於第一個保單年度內退保或終止，已存入保單之回贈獎賞將被收回。請注意：此例子假設額外名義性質單位於被收回時的市場價值高於額外名義性質單位於存入保單時的原本價值。
因額外名義性質單位於被收回時的市場價值高於額外名義性質單位於存入保單時的原本價值，所以被收回的回贈獎賞金額相等於額外名義性質單位於被收回時的市場價值。
例子 2：如保單於第一個保單年度內退保或終止，已存入保單之回贈獎賞將被收回。請注意：此例子假設額外名義性質單位於存入保單時的原本價值高於額外名義性質單位於被收回時的市場價值。
因額外名義性質單位於存入保單時的原本價值高於額外名義性質單位於被收回時的市場價值，所以被收回的回贈獎賞金額相等於額外名義性質單位於存入保單時的原本價值。
詳情請聯絡您的理財顧問。
條款及細則:
- 以上優惠只適用於推廣期內遞交此計劃之申請，而該保單必須於2020 年10月30日或之前由本公司繕發。
- 用以決定回贈獎賞金額的整付供款為發放予客戶的保單摘要內列明之該金額。
- 假若客戶於推廣期內投保多於一份本計劃的保單，回贈獎賞將根據個別保單釐定。
- 客戶可獲享之回贈獎賞將於2020 年12 月內（確實日期由本公司決定），根據客戶最近一次的投資相連基金分配指示，以額外名義性質單位形式存入客戶的保單。保單必須於回贈獎賞存入時仍然生效。回贈獎賞將不可轉換為現金。
- 當計算回贈獎賞時，有關整付供款金額將調至最接近之整數。
- 合資格的客戶將於回贈獎賞存入保單後獲發專函通知。
- 回贈獎賞將構成保單價值的一部份，並將被徵收本計劃於銷售文件內所列明適用之費用及收費。
- 以上回贈獎賞乃限額優惠，香港永明金融有限公司有權決定此優惠之供應期。香港永明金融有限公司保留修改、終止或取消此優惠及修改其條款及細則之權利而事前毋須作任何通知。若此計劃之申請於本優惠修改、終止或取消前遞交，客戶仍可享有原本的優惠。如對此推廣優惠有任何爭議，香港永明金融有限公司保留最終決定權。
此單張只載有一般資料，並不構成任何保單之提呈銷售。有關風險因素和費用及收費的詳情，請參閱「迎雋投資壽險計劃」銷售文件。
投資附帶風險，過去業績並不代表將來表現。投資回報可升可跌。貨幣變動及市況，均可能影響投資價值。
投資於新興市場與已發展市場比較，可能會涉及較高風險，並通常對價格變動較為敏感。相關基金價格可因投資於新興市場，金融衍生工具或結構性工具，可能承受比傳統證券更高風險，價格乃可因此而較為波動。
此單張旨在香港派發，並不能詮釋為在香港境外提呈銷售、游說購買或提供任何香港永明金融有限公司之產品。
優惠3：薈智投資壽險計劃──特別回贈獎賞優惠
重要事項
- 「薈智投資壽險計劃」（「本計劃」）是投資相連保險計劃（「投資壽險保單」），是由香港永明金融有限公司（「本公司」）
- 簽發的保單，因此您的投資受本公司的信貸風險所影響。
- 您就投資壽險保單支付的保費將會成為本公司的資產的一部分。您對任何該等資產均沒有任何權利或擁有權。如追討賠償，您只可向本公司追索。
- 您的投資回報，是由本公司參照相關基金的表現而計算或釐定。
- 您於本計劃的投資回報受計劃內的收費影響，或會低於相關基金的回報。
- 提早退保或提取款項/暫停繳交或調低供款或會導致損失大筆本金及/或所獲花紅。如相關基金表現欠佳，或會進一步擴大您的投資虧損，而一切收費仍會被扣除。
- 投資壽險保單所提供的各個投資相連基金的特點及風險狀況或會有很大差異，部分可能涉及高風險。
- 可供選擇的相關基金是列於投資相連基金簡介內列明的基金。這些基金是由證監會根據《單位信託及互惠基金守則》認可的基金。
- 您在決定購買此產品前，您必須了解並明白這是適合您的產品。最後決定將取決於您。
- 由於部分相關基金可能以不同於本計劃的貨幣計值，因此本計劃的投資回報可能涉及匯率風險。
- 本計劃不設任何退還本金保證。您可能無法取回您支付的全部供款金額，並可能蒙受投資損失。
- 投資涉及風險。您不要只依賴此刊物提供的資料。請小心細閱本計劃的銷售文件包括產品資料概要及主要推銷刊物（包括產品銷售書及投資相連基金簡介）。有關相關基金的更多資料，請參考相關基金的銷售文件，本公司將應您要求提供有關文件。
更重要的是，您必須知道以下有關您的身故賠償及保險費用（「保險費用」）的事項：
- 部分您支付的費用及收費在您投資壽險保單中扣除是用作支付您的人壽保障的保險費用。
- 保險費用將減低可作投資於所選取的相關基金的金額。
- 保險費用可能在您的投資壽險保單生效期間因為某些因素，例如受保人已屆年齡及投資虧損等而大幅增加。而您可能因此而損失大部分甚至全部供款。
- 如果您的投資壽險保單價值不足以支付所有持續的費用及收費，包括保險費用，您的投資壽險保單可能會被提前終止，而您亦可能會因此而喪失全部的供款及利益。
- 您應向您的中介人查詢有關詳情，例如保險費用可能增加及對您的投資壽險保單價值所構成的影響等。
本計劃是一項長線投資相連保險計劃，結集人壽保險及投資機遇。以下只提供「薈智投資壽險計劃」某些主要產品特色的摘要。有關本計劃及本計劃提供的有關投資相連基金的詳情，請參閱本計劃的銷售文件。投資涉及風險，因此您必須明白有關本計劃的主要產品特色及風險。
「詞彙」設於本單張最後部分。除特別註明外，有關斜體字詞的解釋，請參閱「詞彙」部分。
「薈智投資壽險計劃」主要產品特色
最低供款
- 您可於供款年期內繳付定期供款，供款年期介乎5年至25年，惟需符合最低全年供款額要求。最低全年供款額要求為每年美元2,400（適用於5年至14年之供款年期）及每年美元1,200（適用於15年至25年之供款年期）。詳情請參閱本計劃的主要推銷刊物 — 產品銷售書中「開展您的理財計劃」部分。
身故賠償
- 身故賠償金額相等於以下較高者：（i）您的保單價值的105% 或（ii）您就投資壽險保單已繳付的供款總額減去您的部分提取總額。若受保人不幸身故，身故賠償將發放予您所指定的受益人。
- 上述之身故賠償受自殺條款所限制。如受保人，不論神智清醒與否，在保單生效日（即保單開始生效的日期）或保單復效日（以較後者為準）後1年內自殺身亡，身故賠償將相等於保單價值。
詳情請參閱本計劃的主要推銷刊物-產品銷售書中「為您的摯愛提供人壽保障」部分。
花紅
- 您有機會獲享各種花紅，包括：
i） 首年花紅 — 於第一個保單年度，每次當我們確認收妥您繳付的應繳定期供款時，我們將發放首年花紅。首年花紅率將根據您於保單生效日（即保單開始生效的日期）訂明的全年供款額而釐定，最高可達1.5%；
ii） 長期花紅 — 將根據您選擇的供款年期及於支付有關長期花紅時之繳款率而釐定，最高可達平均保單價值的2.5%；
及
iii） 承諾花紅 — 適用於供款年期為15年或以上的投資壽險保單，花紅金額相等於供款年期內已繳付的保單費用總額的100%。承諾花紅將於供款年期期滿而投資壽險保單仍然生效時發放。
上述花紅受條款及細則約束，詳情請參閱本計劃的主要推銷刊物 — 產品銷售書中「尊享花紅」部分。以上花紅將構成保單價值的一部分，並需繳付於本計劃的主要推銷刊物-產品銷售書中「費用及收費」部分內列明適用之費用及收費。
部分提取
- 在必然供款期期滿後，您可免費從您的保單價值中作出一次性的部分提取，惟須受下列的行政規定約束：
i） 於必然供款期後但於退保費用年期內 — 最少提取金額為美元500。最多提取金額為作出部分提取後，保單價值不少於全年供款額（於保單生效日，即保單開始生效的日期）乘以必然供款期（以保單月數計算）除以12。
ii） 於退保費用年期後 - 最少提取金額為美元500。最多提取金額為作出部分提取後，保單價值不少於美元500。
- 作出部分提取可能導致保單價值大幅減少，而身故賠償及任何長期花紅亦會相應減少。保單價值的減少可能會因為保單價值不足以繳付應繳的每月費用而導致保單終止。詳情請參閱本計劃的主要推銷刊物 — 產品銷售書中「提取您的資金」部分。
投資相連基金
- 本公司提供一系列備有不同投資目標、特色及風險程度的投資相連基金供您選擇，讓您可選擇最合適的投資相連基金組合以配合您的需要。
終止保單
- 保單將於某些情況下自動終止。詳情請參閱本計劃的主要推銷刊物 — 產品銷售書中「提取您的資金」部分。
- 於退保費用年期完結前，若終止保單（因受保人身故除外） 或退保，本公司將會收取提早退保費用。詳情請參閱本計劃的主要推銷刊物 — 產品銷售書中「費用及收費」部分。
費用及收費
- 本計劃涉及不同費用及收費，包括保單費用、行政費用、保險費用、退保費用、管理費用及相關基金費用。詳情請參閱本計劃的主要推銷刊物 — 產品銷售書中「費用及收費」部分。
有關本計劃及本計劃內有關投資相連基金的詳情包括費用及收費，請參閱本計劃之銷售文件。 有關本計劃內投資相連基金的相關基金的更多資料，請參閱相關基金的銷售文件，本公司將應您要求免費提供有關文件。
特別回贈獎賞
由 2020 年 7 月 1 日至 2020 年 9 月 30 日（包括首尾兩日），客戶成功投保此計劃，及全年供款額達美元 1,200 或以上（適用於供款年期為 15 年至 25 年）或全年供款額達美元 2,400 或以上（適用於供款年期為 5 年至 14 年），及保單於2020 年 10 月 30 日或以前繕發，均可尊享以下回贈獎賞。有關回贈獎賞將以計劃內額外投資相連基金的名義性質單位形式 （「特別回贈獎賞」） 並根據下列所載之條款及細則發放。特別回贈獎賞的計算如下：
於保單生效日（即保單開始生效的日期）之全年供款額 X 特別回贈獎賞率
特別回贈獎賞率將根據您每份保單所選擇的供款年期及全年供款額（如下所列）釐定：
註：以上回贈率並不代表您保單的投資回報率。
- 若保單於（i）冷靜期內取消，或（ii）特別回贈獎賞存入保單前退保或終止，客戶將不會獲發任何特別回贈獎賞。
- 若保單於特別回贈獎賞存入保單後退保或終止，已存入之特別回贈獎賞將不會被收回。
- 特別回贈獎賞將構成保單價值的一部分，並需繳付本計劃於主要推銷刊物 — 產品銷售書中「費用及收費」部分內所列明所有適用之費用及收費。詳情請參閱本計劃的主要推銷刊物 — 產品銷售書中「費用及收費」部分。
特別回贈獎賞計算之說明例子
註：以上例子之數字純屬假設及僅供說明之用。
有關詳情請聯絡您的理財顧問。
條款及細則：
（i） 特別回贈獎賞只適用於2020 年7 月1日至2020 年9 月30日期間（包括首尾兩日）（「推廣期」）內遞交本計劃之新申請。
（ii） 若客戶於推廣期內投保多於一份本計劃的保單，其特別回贈獎賞率將不會以客戶所持有保單之全年供款額的總和計算。有關特別回贈獎賞將分別取決於個別保單之全年供款額。
（iii） 特別回贈獎賞將於2020 年12月內發放（適用於每年及每月之供款模式，確實日期由本公司決定），根據客戶最近一次的投資相連基金分配指示，以額外投資相連基金的名義性質單位形式存入客戶的保單。保單必須於特別回贈獎賞存入時仍然生效。
（iv） 特別回贈獎賞將不可轉換為現金。
（v） 特別回贈獎賞金額將調至最接近之整數。
（vi） 特別回贈獎賞的合資格客戶將於特別回贈獎賞存入保單後一個月內獲發專函通知。
（vii） 香港永明金融有限公司有權決定此優惠之有效性。香港永明金融有限公司保留修改、暫停或取消此優惠及修改其條款及細則之權利而事前毋須作任何通知。若本計劃之申請於優惠更改、暫停或取消前遞交，客戶仍可享有該更改前之優惠。如有任何爭議，香港永明金融有限公司保留最終決定權。
詞彙
- 全年供款額指您願意每年就本計劃在供款年期內定期供款的金額。
- 供款年期指您選擇支付到您保單的全年供款額年期。
- 必然供款期指由保單生效日（即保單開始生效的日期）起計的最初年期，為期15 至 36個保單周月不等，並根據您所選定的供款年期而釐定。在此期間，您必須要支付所有未付的應繳供款。
- 每月費用指本公司將於每個保單周月的第一個營業日從保單價值中扣除的金額。每月費用包括保單費用、行政費用及身故賠償的保險費用。
- 保單價值指您保單內投資相連基金的名義性質單位之價值的總額。投資相連基金的名義性質單位的價值是該投資相連基金的名義性質單位的總數乘以該投資相連基金的名義性質單位的贖回價。贖回價指贖回某投資相連基金名義性質單位的價格。
- 退保費用年期指由保單生效日（即保單開始生效的日期）起計的最初年期，視乎您所選擇的供款年期而介乎於5 至12 個保單年期。在此保單年期期間，除受保人身故的原因外，您的保單價值會因退保或終止保單而被扣除退保費用。
此單張只載有一般資料，並不構成任何保單之提呈銷售。有關本計劃的資料，包括風險因素和費用及收費，請參閱本計劃的相關銷售文件。
投資附帶風險，過去業績並不代表將來表現。投資回報可升可跌。貨幣變動及市況，均可能影響投資價值。
此單張旨在香港派發，並不能詮釋為在香港境外提呈銷售、游說購買或提供任何香港永明金融有限公司之產品。
足不出戶 都可輕鬆投保？
因應本港疫情，保險監管局現已實施非面談式遙距銷售的第二階段至2020年6月30日作為臨時便利措施*，減少客戶與理財顧問直接會面而感染病毒的機會。
由即日起至2020年6月30日，客戶只需配備手提電話或平板電腦，即可與理財顧問團隊透過「數碼銷售系統」安在家中輕鬆投保，更可以信用卡繳付首期保費。申請獲批核後，客戶只需登入My Sun Life HK流動應用程式，即可查閱及簽收電子保單，全程無需與理財顧問見面接觸，讓您安心得多！
非面談式遙距銷售適用於下列產品：
- 豐碩延期年金計劃
- 永明港健康醫療保
- 永明港稱心醫療保（計劃1 及計劃2）
- 住院入息保障計劃
- 永關心意外保障計劃
- 永明貼心醫療保
- 永明精心醫療保
- 永明滿心醫療保
- 一／五年定期壽險計劃II
- 危疾護您保障計劃II
- 永明癌症護您保
要了解更多產品資訊，歡迎登上本公司網頁或與我們的理財顧問聯絡。
*注意﹕臨時便利措施包括要求必須在銷售時清晰披露有關產品的資料，以及保單冷靜期須延長至不少於30日。
來自您們的聲音
來自您們的聲音
我們曾於三月份就客戶對每季電子通訊中最想了解的話題進行一次問卷調查。根據共633份回應所得的調查結果，原來客戶對以下三方面最感興趣：
- 最新資訊及推廣（財富及理財貼士、健康資訊等）
- 數碼化資訊（流動應用程式及網上服務的新功能等）
- 保險產品（儲蓄、醫療保險等的產品資訊及推廣）
感謝各位的參與及寶貴意見，我們將參考調查結果，製作更符合您需要的內容，包括加入近期熱門的話題及投資相關短片，為您帶來更豐富的內容及更優質的閱讀體驗。
資產管理 專家用4分鐘教您
永明金融每月均會推出《環球短評》短片，由我們的資產管理首席投資策略師雷志海在短短四分鐘的講解中概述投資策略要點、近期的環球經濟與市場景況等實用資訊。
請透過此連結收看《永明資產管理環球短評》*，與我們一同回顧4月份及5月份的《環球短評》（粵語，附帶中英文字幕）。
除此之外，歡迎登上本公司網頁的資產管理頁面閱讀更多市場觀點和投資相關資訊，包括每季更新的市場導航及強積金平均差距指數，以及每月更新的財經刊物專欄訪問，助您更深入了解投資及理財方面的知識。
*注意﹕影片內容及所有資料由永明資產管理（香港）有限公司刊發，只可作為一般參考指引及一般知識分享之用，並非任何形式之保證或投資意見，既不構成任何投資邀請或提呈，亦不可作為任何協議購買或出售產品的根據。
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立即下載Glucolife，並以註冊代碼「slf-news2020」登入
備註：
- 資訊由第三方服務提供者 Aktivolabs Pte. Ltd. （「Aktivo」）通過其流動應用程式Glucolife（「Glucolife」）提供予閣下。閣下可在App Store 及Google Play下載Glucolife。當閣下下載或使用Glucolife，閣下或受相關條款及細則約束。永明金融或會推廣Glucolife上的資訊或從Glucolife引用資訊。推廣或引用任何該等資訊均不構成永明金融對該等資訊的準確性、有效性或完整性任何形式的保證、擔保或代表，不論是明示或隱含的。對任何該等資訊所產生或與之相關的損失或損害，永明金融概不承擔任何責任。
- Apple 和 Apple 標誌是 Apple Inc. 在美國和其他國家或地區註冊的商標。App Store 是 Apple Inc.在美國和其他國家或地區註冊的服務商標。
- Google Play和Google Play標誌均為Google LLC 的商標。
每期知多D：肺炎
2019冠狀病毒病於過去數月於全球爆發，讓不少人的防疫意識都大大提高。而早在新型肺炎蔓延前，肺炎已是導致死亡人數最高的疾病之一，單於2019年，因肺炎而離世的個案超過9,000宗*。
起因
肺炎（Pneumonia）是常見的下呼吸道感染疾病，指肺部組織受細菌、病毒或真菌感染而出現的發炎現象，阻礙肺部的正常換氣過程，使血液中的含氧量降低從而呼吸困難。常見的病因為感冒或流行性感冒，令抵抗力下降而引起。任何年齡人士均有機會患上肺炎，長者、幼兒及慢性疾病患者更為高危，而吸煙者或經常曝露於二手煙下的幼童亦會較容易患上肺炎。
病徵
因為肺炎初期的病徵與流感非常相似，所以經常被人忽略而錯失治療的黃金時期。肺炎的症狀可包括：
- 咳嗽，並可能咳出綠色、黃色或帶有血絲的痰
- 發燒、出汗或發冷
- 呼吸困難、短促且過淺
- 呼吸及咳嗽時胸口疼痛
- 胃口與精神不佳、身體疲倦乏力
- 噁心或嘔吐
- 意識混亂或失去知覺
預防
經歷疫情後，相信大家都對預防肺炎有一定心得。除了勤洗手、患病或出入高危地點如醫院、診所時戴上口罩、多飲用清水以保持喉部濕潤外，以下的方法亦有助預防肺炎：
- 接受肺炎球菌及流感疫苗注射：由於感冒及流感會引發肺炎，注射流感疫苗是預防的治本方法
- 戒煙及戒酒
- 維持均衡飲食及按專業人員指示服食營養補充品以增強抵抗力
- 避免逗留在人多擠迫、空氣不夠流通的地方
- 外出聚餐時使用公筷及公匙：避免因唾液而交叉感染的風險
- 減少室內空氣污染（如燃燒木柴等）
- 餵哺母乳：於嬰兒出生後首6個月餵哺母乳可增強嬰兒的抵抗力，亦有助縮短患病期
資料來源：衞生署衞生防護中心*、世界衛生組織及美國肺臟協會。
有關「新型冠狀病毒感染」之放寬事宜
鑑於「新型冠狀病毒感染」近日於全球各地的蔓延跡象，香港永明金融推出一系列支援措施以協助因病毒而確診患上該疾病的個人醫療保障客戶。於2020年1月24日至2020年4月30日被診斷患上「新型冠狀病毒感染」的客戶可獲得包括保單條款安排及優先處理理賠手續等的各項支援:
保單條款安排
- 免等候期（適用於所有個人醫療保單）
- 取消內地「三甲」醫院限制，如客戶於中國內地接受治療，我們將接受合約條款中指定級別以外的內地醫院的理賠申請，亦包括其他非三甲醫院
- 倘因治療延誤保費繳交引致保單失效，保單無需核保亦可獲復效1
理賠手續
- 於一個工作天內批出相關理賠申請結果（適用於所有個人醫療保單）
- 客戶熱線2103 8928將由專人從速處理及跟進有關理賠個案
- 簡化遞交申請手續，客戶提交理賠申請時無需提交理賠索償表格，只需提交確診證明
- 透過My Sun Life HK流動應用程式遞交申請，無需填寫表格
- 「轉數快」特快過數，直接轉賬至客戶用作本地轉賬的銀行賬戶 2
備註：
1. 客戶須在出院後30日內提交診斷證明。
2. 適用於選擇以「轉數快」作為收取款項渠道的客戶及用戶註冊名稱必須同樣為保單持有人。
其他安排
1. 不會影響「無索償折扣」
由2020年1月24日至2020年4月30日期間入院（首尾兩天計算在內），確診患有「嚴重新型傳染性病原體呼吸系統病」的個人醫療保障1之客戶，須入住醫院接受治療，將不會影響「無索償折扣」。
2. 豁免獨立醫療保障的驗身及化驗費用
如準客戶在指定保單申請書提交日期（2020年1月24日至2020年4月30日，包括首尾兩日）購買永明金融獨立醫療保障2，核保期間任何公司要求的驗身／測試／醫療報告費用可獲豁免（只限於在上述指定期間）。
備註：
1. 適用於「永明貼心醫療保」、「永明悉心醫療保」及「永明港稱心醫療保」（計劃 1 及 2）
2. 適用於「永明貼心醫療保（基本計劃）」、「永明港健康醫療保 」、「永明港稱心醫療保」（計劃 1 及 2）、「永明精心醫療保（基本計劃）」及「永明滿心醫療保（基本計劃）」
永明金融有關對抗「新型冠狀病毒」支援措施之常見問題
支援措施適用於由2020年1月24日至2020年4月30日期間（首尾兩天計算在內）
醫療保障
Q1.我是永明金融個人醫療保障的客戶，若不幸確診「新型冠狀病毒」需入院治療，需要受保單條款「等候期」的限制嗎？
A1.支援措施適用於所有永明金融個人醫療保障計劃。如客戶不幸在2020年1月24日至2020年4月30日（包括首尾兩天），因確診「新型冠狀病毒」而需要入院接受治療，可獲豁免「等候期」。
Q2. 若我不幸確診「新型冠狀病毒」需入院治療並接受隔離，可得到醫療保障嗎？
A2. 可以（適用於所有個人醫療保單）。
Q3. 如果我在內地確診但未能入住「三甲」醫院，可得到醫療保障嗎？
A3. 可以，如客戶於指定期間（2020年1月24日至2020年4月30日，包括首尾兩天）在中國內地住院接受治療，我們接受所有醫院的申請，包括其他政府認可的非「三甲」醫院（適用於所有個人醫療保單）。
理賠
Q4. 如果我不幸確診入院並想申請醫療賠償，我需要提交單據正本嗎？
A4. 不用，我們明白客戶希望簡化申請手續，所以客戶無需提交理賠申請表格，只需提交確診證明及入院單據副本。
Q5. 如無法親身前往客戶服務中心，我可以如何遞交理賠申請？
A5. 最快捷的方法是透過My Sun Life HK流動應用程式廿四小時提交住院或意外索償申請。您亦可將文件郵寄至以下地址：
香港九龍紅磡紅鸞道18號祥祺中心B座地下
香港永明金融有限公司
Q6. 如果我不想以支票形式收取理賠款項，有更快的收款渠道嗎？
A6. 我們提供轉數快（FPS）特快過數賠償，款項直接轉賬至保單持有人用作香港本地轉賬的銀行戶口，適用於選擇以轉數快作為收取款項渠道的客戶，而註冊名稱必須與保單持有人相同。
Q7. 我已遞交住院理賠申請，我何時會知道理賠結果？
A7. 我們將於一個工作天內批出理賠申請個案的結果（適用於所有個人醫療保單）。您可登入My Sun Life HK流動應用程式查看索償進度。
Q8. 如果就「新型冠狀病毒」而入院治療並索償，會影響保單1中的「無索償折扣」嗎？
A8. 不會，如客戶不幸在指定期間（2020年1月24日至4月30日，包括首尾兩日）內，因確診入院接受治療，其下年度保費仍然可享有「無索償折扣」。
危疾保障
Q9. 「新型冠狀病毒」是在危疾保障的範圍內嗎？
A9. 「新型冠狀病毒」不屬於危疾計劃下指定危疾，但「新型冠狀病毒」引致的指定危疾，以永明危疾齊加保（SunHealth OmniCare）為例 ，如客戶被診斷患上「 末期肺病」，屬於保障範圍內，唯需符合相關危疾定義，注意徵狀需要超過等候期。
意外保障
Q10. 「 新型冠狀病毒」是意外保障的範圍內嗎？
A10. 不是，「 新型冠狀病毒」不屬於意外保障的範圍內。
保單復效
Q11. 倘若不幸確診「新型冠狀病毒」，延誤保費繳交引致保單失效，保單可獲復效嗎？
A11. 可以，客戶可提出申請，並需在出院後30日內提交診斷證明，無需任何核保。
新生意
Q12. 如果我是準客戶，想未雨綢繆，投保永明金融的指定獨立醫療保障2，而永明金融要求我進行體檢相關費用由我來承擔嗎？
A12. 不用，如果在2020年1月24日至4月30日（包括首尾兩天）提交投保申請，於此指定期間及核保期間的相關體檢／化驗測試／醫生報告費用將由永明金融負擔。
保單服務
Q13. 除了郵寄表格、申請或親自前往客戶服務中心，有其他方法查閱我的保單的相關資料和遞交各類型申請嗎？
A13. 有，您可隨時隨地登入My Sun Life HK流動應用程式查看保單資料。
您可以透過手機查閱：
- 帳戶及所有名下的保單資料
- 保單資產，包括儲蓄及基金結餘
- 醫療及外科手術保障及詳情
- 保單之週年報告
- 保單合約（適用於在2019年4月1日或以前生效之保單，客戶須為個人客戶而並非企業客戶）
- 繳費保費之收據
- 以及更多
您可以接收：
- 保單確認收據
- 到期繳付自動通知
- 各項申請的進度通知
您可以遞交以下申請：
- 意外保障或住院及手術保障索償
- 更新個人資料（包括地址、電話號碼其他聯絡資料）
- 更改未來供款分配
- 基金轉換指示
- 設置定期價值轉移之常行指示（使用保單紅利或積存基金繳付同一或另一份保單的保費及保費徵費）
專用熱線
Q14. 如果我有關於「新型冠狀病毒」的其他問題，有專員或專線能解答我的問題嗎？
A14. 有，您可致電（852）2103-8928查詢。
備註：
1. 適用於「永明貼心醫療保」、「永明悉心醫療保」及「永明港稱心醫療保」（計劃 1 及 2）
2. 適用於「永明貼心醫療保（基本計劃）」、「永明港健康醫療保 」、「永明港稱心醫療保」（計劃 1 及 2）、「永明精心醫療保（基本計劃）」及「永明滿心醫療保（基本計劃）」
我們會密切留意疫情，並不時更新有關的支援措施。永明金融保留在不作任何事前通知的情況下修改、暫停或取消以上安排及修改其條款及細則的權利。如對以上安排有任何爭議，永明金融保留最終決定權。詳情請登上香港永明金融就「新型冠狀病毒」推出多項支援措施的網頁或向您的理財顧問查詢。
全新服務中心，全新客戶體驗
為了打造更優質的服務體驗，我們的客戶服務中心現已搬遷，新地址為香港九龍紅磡紅鸞道18號祥祺中心B座地下。搬遷後，更寬敞舒適的客戶服務中心除了保留原有的服務外，中心內更新加設「數碼應用站」，提供多款科技產品予客戶體驗My Sun Life HK流動應用程式的各項新增功能。
My Sun Life HK流動應用程式旨在給予客戶更流暢的服務體驗，客戶可透過手機進行查閱帳戶及所有名下的保單資料、醫療及外科手術保障及詳情、週年報告、在2019年4月1日或以後生效的電子保單、以及接收到期繳付自動通知及各項申請的批核狀況。您亦可更輕鬆地提交醫療和意外索償申請、更新個人資料和提交基金轉換指示申請等，做到省時、快捷，以及隨時隨地獲得保障資訊的效果。
信用卡繳付保費更「E」asy
繳付新保單保費從此更自在。我們即將推出的網上付款平台，讓新客戶可以輕鬆以Visa或Mastercard繳付新保單保費，省時又方便！
全新的網上付款平台將會大大縮短繳付保費過程所需的時間。客戶只需登上付款網址，通過驗證及輸入信用卡資料，短短幾分鐘即可以手機完成付款程序，隨時隨地都可以繳付新保單的保費。付款過程中，我們不會儲存任何信用卡資料，相信客戶亦會放心得多。
此項全新的信用卡網上付款方式將於四月初啟用，接受以Visa或Mastercard付款，並只限於由保單主權人以名下的信用卡支付。
限時優惠，讓您歲月無憂，健康無慮
新年依始，總要未雨綢繆，好好計劃未來。永明金融在農曆新年之際推出兩項優惠，照顧您的退休生活及醫療保障需要，讓您安心計劃健康富足的將來。
優惠1：歲月無憂客戶優惠
由2020年2月1日至3月20日（包括首尾兩日），成功投保並符合以下首年年度化保費要求的豐碩延期年金計劃的客戶，可獲享最低首年年度化保費的5%保費回贈。
理想退「優」生活 由您做主
現在努力經營生活，只為退休生活優質。與其沒有計劃，不如趁早做好準備。全新退得「優」計算機可以助您預見退休儲備、鎖定儲備決策，以及逆轉健康狀況，要儲多少、還差多少才能達到您理想中的退休生活，一切一目了然。
此計算機預設了有關於您的投資策略，以及您夢想的退休生活與醫療保障的問題，只需約5至7分鐘完成3個簡易步驟即可計算出您的「退休儲蓄總結」，包括退休儲備差額及預計所需的累積儲蓄，讓您預知現時退休計劃的潛在風險。
不妨與您的家人和朋友分享永明金融的退得「優」計算機，並與您的理財顧問一同計劃未來，確保將來可以退得安心退得優。
立即試玩，了解理想退「優」生活所需的全方位準備！
掌握保單 輕鬆方便
任何時候，您都可以透過My Sun Life HK流動應用程式及網上平台掌握保單資訊，讓保單管理更方便、更省時。
升級體驗：投資相連基金表現頁面
投資相連基金表現頁面提供有關投資相連基金的贖回價、賬戶總值等資料，而保單的詳情包括供款總額、提取總金額、盈利和虧損都一目了然，讓您更清楚了解您擁有的每項投資相連基金的表現。
在My Sun Life HK流動應用程式及網上平台，您還可以:
- 一click提交投資相連基金轉換指示
- 隨時更改未來供款分配
- 自行設定期滿保單價值的收款方式
立即於App Store或Play Store下載及登入，享受全新的保單管理體驗！
備註：提交投資相連基金轉換指示、更改未來供款分配及設定期滿保單價值收款方式按香港永明金融有限公司現行法例及規例而定。
先了解 後投資
在作出投資決定前，都應先了解市場概況，做好準備。您知道近期投資者對美國聯儲局就債券購買計 劃的最新公告議論紛紛嗎？
點擊此處看看永明資產管理（香港）有限公司的首席投資策略師雷志海先生在十一月份環球短評對此的見解。
環球短評將於每月更新（粵語，附有中英文字幕）。
想更深入探索投資世界？立即查閱最新的強積金平均差距指數及市場導航，或登上資產管理頁面了解更多！
備註﹕《先了解 後投資 》所有影片內容及資料由永明資產管理（香港）有限公司提供，所有資料均只作為一般參考指引及一般投資知識分享之用，當中可能含有「前瞻性」信息，包括預測、收益或回報估計，並涉及風險和不明朗因素。
所有資料並非任何形式之保證或投資意見，既不構成任何投資邀請或提呈，亦不可作為任何協議購買或出售產品的根據。所提供之資料內容乃基於相信來自可靠來源，但永明資產管理（香港）有限公司、香港永明金融有限公司及其聯屬公司及董事及僱員（統稱永明金融）並不保證、擔保或代表其準確性、有效性或完整性，不論是明示或隱含的。
投資附帶風險，過往表現並不能作為未來表現的指引。投資回報可升可跌，甚至會變得毫無價值，投資者未必可取回其所有投資的款項。
所載資料並沒有考慮個別投資者之目標、財政狀況或需要。永明金融並不對任何人士因倚賴任何上述提供之資料或建議所引起之損失而負上責任；亦不因任何所提供之資料或建議的不確或遺漏而負上責任。
環保可以當飯食！
您是否已轉用電子通知服務？登記電子通知，您可以隨時隨地查閱保單文件，當有新的信件上載至My Sun Life HK流動應用程式或網上平台賬戶，您將會收到通知，隨時得知保單的重要資訊。
除此之外，於2021年9月1日至9月30日期間登記電子通知服務，即可獲贈價值港元50 foodpanda或恆隆商場超過30間指定餐廳電子美食優惠券*！
點擊此處了解如何透過My Sun Life HK流動應用程式或網上平台登記電子通知服務。
*受條款及細則約束。客戶於2021年9月1日至30日（包括首尾兩日）登記電子通知服務，即可獲贈foodpanda或恆隆商場指定餐廳之港元50電子美食優惠券一張。客戶於兌換電子優惠券時必須仍然使用電子通知服務（電子通知設定為「是」）。合資格客戶將於本推廣活動完結後兩星期內收到短訊通知。
My Sun Life HK流動應用程式及網上平台新增功能
管理保單更方便
我們致力為您帶來更優質的服務體驗，而為您而設的My Sun Life HK流動應用程式和網上平台也得到更新！
您現在可透過流動應用程式和網上平台輕鬆查看您所購買的投資相連壽險的詳細資料，以及各項投資相連基金的表現，供款總額、提取總金額、盈利和虧損都一目了然。您亦可自行在同一頁面查閱您擁有的壽險下投資相連基金的認購／贖回價、現時供款分配、賬戶總值等，無需再致電客戶服務或向您的理財顧問查詢。
除此之外，我們亦在My Sun Life HK網上平台新增以下功能，讓您節省遞交表格的時間和工夫。
- 保單價值轉移之常行指示：設立常行指示，將保單價值轉移至您名下的另一張保單作繳付續期保費及保費徵費之用。
- 保單價值收款方式：設定收款方式，透過銀行戶口、轉數快或支票接收期滿現金、獎賞的保單價值，以及具派發股息特徵的投資相連基金帶來的股息等等。詳情請參閱保單價值收款方式之條款及細則。
我們將繼續努力，為您帶來更多全新功能。歡迎試用上述My Sun Life HK流動應用程式和網上平台的新增服務，享受智能保單管理的方便。
了解全球股市表現 為投資做好準備
回顧2021上半年，全球大型的疫苗供應為環球經濟帶來了正面影響，對經濟週期較敏感的版塊如能源、金融等都有不俗的表現。而長遠發展來說，由於預期整體商品週期將長線上升，這造就了不少投資契機。
歡迎點擊此處收看最新的《永明資產管理環球短評》，我們的首席投資策略師雷志海先生會在每期影片分享投資世界的最新資訊和趨勢（粵語，附帶中英文字幕）。
我們亦會在同一頁面為您提供更多實用資訊，讓您更透徹了解投資要點，包括每季更新的《市場導航》，從分析股票、債券、現金等各個方面的近期表現作分析和預測。
備註﹕影片內容及所有資料由永明資產管理（香港）有限公司刊發，只可作為一般參考指引及一般知識分享之用，並非任何形式之保證或投資意見，既不構成任何投資邀請或提呈，亦不可作為任何協議購買或出售產品的根據。
最後機會！享受最多3個月保費回贈優惠
無論您希望保護家人或自己，我們都能為您提供最適合的保障。由即日起至2021年9月30日，把握最後機會享受推廣活動為您帶來的精彩優惠！
1. 昇暉保障計劃客戶優惠（推廣編號：A0176A）
於推廣期內，凡成功投保昇暉保障計劃，可享首年年度化保費 8% 保費回贈優惠。就同一受保人及保單主權人，保費回贈上限為港元 10,000。
2. 傳富儲蓄計劃客戶優惠（推廣編號：A0177A）
於推廣期內，凡成功投保傳富儲蓄計劃，可享首年年度化保費 5%保費回贈優惠。就同一受保人及保單主權人，保費回贈上限為港元 10,000。
3. 優月儲蓄計劃客戶優惠（推廣編號：A0178A）
於推廣期內，凡成功投保優月儲蓄計劃，可按首年年度化保費要求尊享下表列明的保費回贈，高達港元 88,000。
每位客戶就同一保單主權人、受保人及保費繳付期的合資格優月儲蓄計劃申請，只可獲享保費回贈一次。
除了人壽保障、財富增值及傳承方面，我們亦在健康方面為您帶來保障！
健康客戶優惠（推廣編號：A0179A）
於推廣期內，凡成功投保以下醫療保障計劃與上述儲蓄及人壽計劃（昇暉保障計劃、傳富儲蓄計劃及優月儲蓄計劃），可尊享高達 3 個月保費回贈優惠。
- 永明港健康醫療保 — 自願醫保認可產品的標準計劃
- 永明港稱心醫療保 — 自願醫保認可產品的靈活計劃
- 永明貼心醫療保（只適用於基本計劃）
- 永明精心醫療保（只適用於基本計劃）
- 永明滿心醫療保（只適用於基本計劃）
參考例子：
以上優惠受條款及細則約束。詳情請參閱有關宣傳單張。
別過「裸命」人生
香港人面對各種醫療通脹，裸命！暴露於危疾風險或新型疾病之中，更裸命！有否想過缺乏合適醫療保障健康，性命就似沒穿衣服一樣赤裸？
由著名女歌手謝安琪為永明金融推廣「別過裸命人生」最新推廣活動，讓大眾知道永明金融所提供的全方位環球保障*，讓健康不再赤裸！129年來，我們致力為香港人提供貼心保障，cover您的健康和人生。點擊此處了解我們的醫療保障產品。
另外，您亦可使用醫治重病開支估算機^，看看可以如何裝備自己，並了解若不幸患上癌症、糖尿病、心臟病及中風等大概所需的醫療開支。
*適用於指定醫療或危疾計劃，有關詳情包括產品特點、風險詳情及投資理念，請參閱相關產品推銷刊物及宣傳單張。有關字詞的釋義、保障範圍的完整的條款及細則和除外責任的詳情，請參閱保單文件樣本。詳情請與您的理財顧問聯絡。
^香港永明金融有限公司（「永明金融」）設計了此工具 (「此工具」）以粗略評估治療重大疾病一般所需的費用、收入之損失、僱用看護的費用及生活作息的改變而產生的費用，目的僅為分享一般資料。此工具不應被視為全面的重大疾病研究，也不構成任何個別案例或衍生的醫療費用表達意見。閣下不應依賴此工具所載的資料。
新冠病毒疫苗副作用之醫療保障及特別安排
近日接種2019冠狀病毒病疫苗的市民越來越多，您是否也在考慮當中？不少客戶都希望了解更多其持有的永明金融醫療保單的保障範圍，想知道因接種新冠病毒疫苗而引起的醫療副作用會否得到保障。
如閣下是自願醫保計劃（「自願醫保」）下的永明港健康醫療保及永明港稱心醫療保受保人客戶，由新冠病毒疫苗*副作用所引起的醫療開支屬於醫療保障範圍之內。有關自願醫保計劃的涵蓋範圍，請點擊此處登上自願醫保計劃辦事處網頁「常見問題」頁面參閱問題15及16。
另外，我們亦作出一項特別安排，於保單下「免疫接種、疫苗接種或預防性藥品」的不受保項目將暫停對新冠病毒疫苗*的限制，客戶可就由新冠病毒疫苗引起的醫療副作用提出索償申請，從保單內的保障表索償有關的醫療開支。此項特別安排涵蓋以下醫療保單：
- 永明滿心醫療保
- 永明精心醫療保
- 永明貼心醫療保
- 住院入息保障計劃
- 永明悉心醫療保
- 明智顯耀醫療計劃
如有任何查詢，歡迎與您的理財顧問聯絡。請繼續保持健康、平安！
*只適用於在香港政府的2019冠狀病毒病疫苗接種計劃下認可的疫苗。永明金融保留在不作任何事前通知的情況下修改、暫停或取消此特別安排，以及於日後修改條款及細則的權利。如對此特別安排有任何爭議，永明金融保留最終決定權。
新增癌症治療方法 提升醫療保障
科技日新月異，讓治療各項疾病的方法越見先進。為了向客戶提供更優質的醫療保障，由2021年4月1日起，永明滿心醫療保 及永明精心醫療保的癌症治療保障中已新增下列3項癌症治療方法：
- 激素治療
- 免疫治療
- 質子治療
此項更新適用於永明滿心醫療保 及永明精心醫療保（基本計劃／附加保障）的現有及新客戶，而計劃的保費均不會受影響。
如您對以上保障的更改有任何疑問，歡迎與您的理財顧問聯絡、致電客戶服務熱線（852）2103 8928或電郵至 hk_csd@sunlife.com，並於標題註明「永明滿心醫療保／永明精心醫療保癌症治療保障」。
您亦可點擊以下連結瀏覽最新的產品推銷刊物以了解更多：
- 永明精心醫療保
全球通漲 投資要點？
全球通漲是投資者近月最關注的話題之一。通漲當然會對環球投資市場帶來影響，然而影響可以正面，也可以負面。您知道通漲對債券的影響略為負面，但會為公司的股東增加收入嗎？
點擊此處即可收看4月及5月份的《永明資產管理環球短評》，我們的主持及首席投資策略師雷志海先生會為您講解通漲於投資市場產生的影響（粵語，附帶中英文字幕）。
您亦可在同一頁面瀏覽更多投資的參考資訊，包括最新一季《市場導航》，從分析股票、債券、現金等各方面的前景，提供投資市場展望及投資者需注意的事項。
備註﹕影片內容及所有資料由永明資產管理（香港）有限公司刊發，只可作為一般參考指引及一般知識分享之用，並非任何形式之保證或投資意見，既不構成任何投資邀請或提呈，亦不可作為任何協議購買或出售產品的根據。
輕鬆估算重病醫療開支
生活難以預料，意想不到的事天天發生，而我們早已為您準備實用工具，與您一同面對不如意事。
歡迎試用我們的開支估算工具，看看您可如何在財政方面裝備自己，以面對若不幸患上重病大概所需的開支。此工具分析了醫治癌症、糖尿病、心臟病及中風四項重大疾病的醫療支出，您只需回答三個簡單問題，即可預測疾病所產生的各項開支，包括醫治費用、僱用看護之費用等。您亦可了解危疾保險及醫療保險的年度保費如何影響您的個人保障。
立即開始評估，為您的將來做好預算！
免責聲明：香港永明金融有限公司（「永明金融」）設計了此工具 (「此工具」）以粗略評估治療重大疾病一般所需的費用、收入之損失、僱用看護的費用及生活作息的改變而產生的費用，目的僅為分享一般資料。此工具不應被視為全面的重大疾病研究，也不構成任何個別案例或衍生的醫療費用表達意見。閣下不應依賴此工具所載的資料。
保單新資訊 隨時掌控
我們的電子通知服務於二月份推出，您登記了嗎？只需簡單幾步，您便可隨時接收有關保單的重要訊息，掌握保單的最新狀態，同時幫助減少紙張印刷及實現無紙生活！
登記電子通知服務非常簡單：
1. 登入您的My Sun Life HK流動應用程式或網上平台帳戶
2. 點選「編輯個人資料＞電子通知設定」
3. 將「電子通知服務」旁按鈕切換為「是」
4. 完成！當新文件已上載，您將會收到提示電郵及推送通知
收到通知後，您可以隨時隨地於My Sun Life HK流動應用程式或網上平台查閱有關文件的電子版本。點擊此處查看適用於電子通知服務之信件的完整列表，如列表中未有顯示，我們將繼續郵寄該信件的列印版本給您。
尚未擁有My Sun Life HK流動應用程式或網上平台帳戶？註冊帳戶同樣方便，按此即可收看註冊教學。
立即行動，與我們一同愛惜地球，營造綠色生活！
融入綠色生活 電子通知服務現已登場！
登記一小步，環保一大步！立即登記全新電子通知服務，與我們一同減少使用紙張。
選用電子通知服務，讓您可在新保單文件上載至客戶網上平台（My Sun Life HK流動應用程式及網上平台）時接收電郵及推送通知。大部份實體信件將會被取代，然而您可隨時隨地透過My Sun Life HK流動應用程式及網上平台查閱電子版本文件，減低紙張使用率及保護環境。
電子通知服務的主要特色及優點包括：
隨時查閱文件：於任何時候都可透過手提電話或電腦等電子設備查閱保單文件
即時接收通知：可即時接收有關保單的重要通知及作所需行動
掌握記錄：隨時翻閱及下載過去60個月內的保單通知及文件（已失效保單為36個月）
如您尚未登記，不妨立即行動！只需登入My Sun Life HK流動應用程式或網上平台，簡單幾步即可完成登記程序，享受電子生活帶來的方便。詳情請按此瀏覽電子通知服務的專屬頁面。
感謝您與我們一同保護環境！
尊享限時保費回贈優惠 慳錢兼扣稅
生活中總充滿意想不到的驚喜，及早開始累積財富，才可令退休生活更無憂，家人及下一代更安心。投保傳富儲蓄計劃及豐碩延期年金計劃，可享保費回贈，同時趕上扣稅「尾班車」，助您慳得更多！
優惠1：
即日起至2021年3月31日，成功投保傳富儲蓄計劃並符合以下首年年度化保費要求，可享高達10%首年年度化保費保費回贈。
優惠2：
即日起至2021年3月31日，成功投保豐碩延期年金計劃並符合以下首年年度化保費要求，可獲5%首年年度化保費保費回贈；現有永明金融個人保險客戶投保更可額外獲首年年度化保費3%保費回贈。而成功投保的客戶亦可申請扣稅*。
優惠受條款及細則約束。詳情請與您的理財顧問聯絡，或參考優惠之宣傳單張。
*請注意，只有於該課稅年度內的合資格年金的應繳及已繳保費才可於該課稅年度內合資格申請稅務扣減，而保費回贈並不符合資格申請稅務扣減。更多有關適用於合資格延期年金保單的稅務寬減安排，可瀏覽保險業監管局網站（www.ia.org.hk/tc）。其他有關稅務的查詢，客戶亦可瀏覽稅務局網站或直接與稅務局聯絡。
《環球短評》 掌握投資市場趨勢
回望去年，全球經濟因疫情而受到重大打擊；反之全球的投資市場的表現不俗，亦造就了不少新時代、新經濟版塊的興起。有見世界各地的疫苗供應近月不斷增加，以及寬鬆的貨幣政策得以維持，來年的投資市場發展亦相對樂觀。
歡迎按此回顧1月及2月份、由本公司首席投資策略師雷志海先生主持的《永明資產管理環球短評》（粵語，附帶中英文字幕），學習更多有關2021年的投資趨勢及需注意的要點。您亦可在同一頁面瀏覽更多投資相關的文章及專欄，助您更深入透徹了解投資市場。
備註﹕影片內容及所有資料由永明資產管理（香港）有限公司刊發，只可作為一般參考指引及一般知識分享之用，並非任何形式之保證或投資意見，既不構成任何投資邀請或提呈，亦不可作為任何協議購買或出售產品的根據。
新增具現金股息派發特色投資相連基金 滿足不同階段需求
為了讓您有更多的投資選擇可滿足您在不同階段的需求，迎雋投資壽險計劃新增5項具有現金股息派發特色投資相連基金可供選擇如下。每一項投資相連基金皆與單一證監會認可基金相連。
| 基金編號 | 投資相連基金名稱 | 資產類別 |
| E008 | 永明 — 安聯收益及增長基金（派發） | 混合資產 |
| E009 | 永明 — 安聯全球永續發展基金（派發） | 環球股票 |
| B013 | 永明 — 首源亞洲鐵橋基金（派發） | 混合資產 |
| B014 | 永明 — 首源亞洲優質債券基金（派發 | 區域性債券 |
| H006 | 永明 — 晉達環球策略基金 — 環球多元資產收益基金（派發） | 混合資產 |
現時，若相關基金派發股息收入，該收入將會再投資於相關之投資相連基金內及將反映在相關的投資相連基金單位價格內，惟名稱有「（派發）」字樣的投資相連基金除外。若投資相連基金有「（派發）」字樣，從該等相關基金獲得的股息（如有）將分配給您。
名稱有「（派發）」字樣的投資相連基金（「投資相連基金（派發）」）是以定期派發現金股息為目標的投資相連基金。如您選擇投資於投資相連基金（派發），本公司會於收到由投資相連基金（派發）的相關基金之現金股息派發給您。
如有任何查詢，請參閱最新版本之迎雋投資壽險計劃—投資相連基金簡介*，及與您的理財顧問聯絡。
*您應詳閱相關基金之銷售文件（包括產品資料概要）以了解相關基金的詳情（包括但不限於其投資目標及策略、風險因素及收費）。我們可因應您要求免費提供相關基金之銷售文件。
投資附帶風險。不要只依賴此刊物提供的資料，並小心細閱迎雋投資壽險計劃的銷售文件包括產品資料概要及主要推銷刊物（包括產品銷售書及投資相連基金簡介）以獲取更多詳情及風險因素。
親愛的客戶：
希望您在嚴峻的疫情下平安。
在疫情下，我們明白您在管理保單或遞交保單更改的過程中會遇上不少困難。我們的一系列自助電子服務讓您即使安坐家中依然可以隨時快捷、安全地提交保單相關申請及管理保單，幫您節省更多時間！
就算無法出門，您仍可透過My Sun Life HK流動應用程式及網上平台隨時瀏覽保單詳情及輕鬆提交各項保單服務申請，包括投資相連基金轉換、更改未來供款分配及保單價值收款方式！
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電子收款方式
選擇以電子方式代替以支票收款，減省郵寄支票及入票所需的時間！
- 「轉數快」快速支付系統（轉數快）
- 以香港持牌銀行開立的本地銀行賬戶收款
電子通知服務
當電子版本信件上載後接收通知電郵，登入My Sun Life HK即可查閱保單更新，取代實體紙本信件
轉數快繳付保費
掃描付款通知書上之二維碼即可以港元繳交保費！
My Sun Life HK 隨時實現保單管理
透過電話保單更改服務，我們的客戶服務團隊可協助進行以下12項保單更改服務：
保單服務
- 更改紅利／花紅運用方式 Change of Dividend / Coupon Fund Option
- 更改保單價值收款方式 Change of Payout Method*
- 更改不能作廢權益Change of Non-Forfeiture Option
- 刪除附加保障Delete Rider
- 申請保單備忘錄Request for Policy Memorandum
- 更改地址及通訊資料 Change Address and Contact Information
保單提款及貸款服務
（不適用於投資相連壽險保單）
- 提取紅利／可支取現金 Dividend / Coupon Fund Withdrawal*
- 保單貸款申請 Policy Loan*
更改保單付款方式
- 停止自動轉賬Stop Direct Debit Authorization
- 更改自動轉賬日Change of Debit Date in Autopay
- 設立／終止常行指示Set up / Terminate Standing Instruction
其他
- 重發未兌現支票Reissue Payment
*金額上限為港元50,000。
致電客戶服務熱線
2103 8928*
回答幾條問題以核實您的身份
告訴我們您想更改的保單內容
完成！我們會盡快處理您的申請
*星期一至五：上午九時至晚上六時；星期六：上午九時至下午一時；星期日及公眾假期：休息.
重要事項 :
- 保單提款及貸款服務之付款方式包括轉數快、本地轉賬付款及支票，並不包括電匯。
- 提取款項／保單貸款金額上限為港元50,000。
- 收款人需為保單主權人。
- 電話保單更改只適用於持有香港身份證人士。
- 電話保單更改只用作遞交申請，保單更改申請是否成功完成需視乎公司不時釐定之行政指引。
親愛的客戶：
作為Sun Life永明的客戶，您是如何得知保單的最新狀況？您知道其實透過My Sun Life HK客戶網上平台，您可以隨時隨地管理保單嗎？
無論您從未使用過My Sun Life HK，或已是非常熟悉及經常使用此平台的客戶，接下來請跟我們一起試用My Sun Life HK的全新界面，體驗更實用、更精緻的設計，以及更豐富的內容和功能！
探索全新設計
功能捷徑及「更多服務」版面
My Sun Life HK首頁的全新設計加入功能捷徑，讓您輕鬆找到所需資訊及功能；將語言設定置頂，轉換語言更方便！
- 在首頁加入客戶最常用功能的功能捷徑
- 於「更多服務」頁面輕鬆尋找所需資訊及功能
- 一click轉換語言
- 現已支援簡體中文，方便中國內地客戶；我們亦同時進行了系統更新，支援以簡體中文顯示保單信件中的收件人姓名、公司名稱及地址
實用工具欄
全新設計的重點之一是固定於底部的工具欄，一鍵即可輕鬆使用以下功能：
- 返回主頁，以及快速查看各保單的最新通知
- 點擊我的帳戶，查閱按保單類型分類的保障額或資產總值
- 網上工具帶您前往Sun Life永明網站的多款實用計算機及程式，助您輕鬆計劃將來！
最新消息及產品資訊
您可在主頁頂部的動態橫幅及最新消息查看Sun Life永明的最新動向及品牌推廣活動，加深對我們的認識！
如想更深入了解我們提供的產品，可前往保障部份*，查看各個壽險產品系列的保障，按您的需要尋找適合人生不同階段的產品。
*登入後，「保障」只提供給已選擇接受直接促銷資訊的客戶。
立即體驗全新功能
點擊下方下載My Sun Life HK App；如您身在中國內地或海外而無法使用app版本，可選用網頁版。
親愛的客戶：
作為您一直信賴的壽險夥伴，保障您的權益和提供優質的電子保單管理服務是我們的責任，為此，我們亦不斷努力提升安全系統。
我們已於2024年1月18日升級My Sun Life HK App和網頁版的帳戶認證系統，讓我們可以即時發現可疑的登入活動，確保是您本人登入及防止您的帳户被盜用。
如要在2024年1月18日以後繼續使用My Sun Life HK，客戶必須：
1. 更新My Sun Life HK App
如果您是App版本用家，您必須更新至最新版本。我們將不再支援舊版本。
2. 認證現有帳戶
全新登入界面及多重身份驗證（Multi-Factor Authentication）
除了全新設計的登入界面外，我們亦加強了安全認證以防止未經授權的登入：當我們偵測到可疑登入活動時，您需要輸入發送至您登記的手機號碼／電郵地址的一次性密碼（OTP）。
感謝您一直支持及選用My Sun Life HK！如有任何查詢，歡迎與您的理財顧問聯絡或致電我們的客戶服務團隊（852）2103 8928。
Client eNewsletters
Always connect with you for better client experience
At Sun Life, we are totally client focused and committed to providing a personalized service to all our Clients. Meanwhile, we always connect with you – read the latest edition of our eNewsletter and learn more about our well-thought-out services.
We care. We listen actively.
At Sun Life, our “Client for Life” strategy guide how we act and behave. They highlight how we deliver on our promise and value proposition, and strive to show our clients we care and value them by consistently exceeding our client expectations at every touchpoint throughout their client journey. The best way to do this is by listening to what our clients tell us how we are doing.
Online Survey
We measure the quality and level of satisfaction of the services provided by our advisors and service team with a quick client service feedback survey. We send online survey randomly to clients via SMS after interaction with our advisors and the service team. We analyze the feedback to identify areas that need improvement, and collect interesting ideas from our clients and share these insights across the company.
In App Feedback Form
My Sun Life HK app becomes an encompassing digital hub for our clients to view their policy and coverage information, perform self-services as well as to receive timely communication from us. We built an in-app feedback form that prompt our clients to provide feedback when they are leaving the app. Our client service representatives will proactively contact our clients if any clarification or follow up is required.
By actively listening to the voice of our clients, we understand the needs of our clients and enhance our services and solutions we offer to clients and become more proactive and predictive in anticipating their needs to provide a seamless experience.
Retire Smart: Foresight Deferred Annuity Plan
Carefree retirement is a universal dream. As lifespans increase, retirements are also getting longer. Is there a way to ensure that we can retire when we want, the way we want?
Sun Life has always been committed to understanding the needs of our clients and offering customized products that suit their different life stages. Everyone has a retirement dream; some want to retire early, others later, while some wish for simplicity and others desire luxury. Only a flexible insurance product can satisfy everyone’s unique need and help them plan their ideal retirement. That is why we launched the Foresight Deferred Annuity Plan, which offers options for the premium payment term, Annuity Start Age and Annuity Period. With as many as 56 possible combinations, you can mix and match to create the perfect plan for you! The Foresight Deferred Annuity Plan provides a steady stream of monthly income to help make your retirement dreams come true.
Learn more about the Foresight Deferred Annuity Plan now!
eContract: Make it Easy for you
Hardcopy policy contract was a mainstay in the past insurance experience. It is time-consuming waiting for postal delivery. Moreover, if you forget where you placed the policy contract, you have to go through the hassles searching the whole house when you need it.
We understand your needs, and now, we have enabled My Sun Life HK app to allow you to get instant access to your multiple policies anywhere anytime, in a safe and convenient way. It takes only seconds to retrieve the policy eContract and view the policy details, including family coverage. It is also environmental friendly and no more worries on misplacing the policy contract!
Payout Services: Now is Faster & Easier
Long waiting for cheque delivery? Hassles to bank in the cheque?...We listen, and we are here to offload the administrative burden from our clients and let them focus on things that matter.
You can now request to transfer the local money via Faster Payment System hosted by the Hong Kong Monetary Authority (“FPS”) directly into your defaulted bank account*. We are now extending this FPS service to some of our regular Policy Value payouts, which including Dividends, Coupons and Maturity Benefit, etc.
Just opt for the Policy Value payout services via FPS – faster and easier. It’s that simple!
*The FPS account and bank account for local money transfer must be registered under the Policy Owner of exact name match.
Voice from our clients: How we can help
We would love to share about client’s real experience and how someone in our team made something easier, quicker or special for them. We will continue to build on what we do well!
Story 1: Client Service team proactively understand the needs of clients and provide appropriate solutions
In early March this year, a 60-year-old client called us to inquire about our surrender procedure. Our client service officer, Miss Sze asked our client about the reason for policy surrender in hope of learning what we can do better and later realized that our client had retired and urgently needed money. She thought that policy surrender was the only solution. After understanding our client’s need, Miss Sze noticed that her policy would be paid-up at the end of March 2019 and would continue to enjoy life coverage with dividends and coupons until 100 years old. If client applied surrender at that time, client will not only lose the protection, but also lose the dividends and coupons distributed in the future.
Miss Sze explained the policy features to our client and she realized that a coupon of HK$250,000 was going to distribute on her policy in a few days. The amount was sufficient to meet the financial needs of the client, thus she decided to withdraw dividends and coupons.
Client said that she highly appreciated Miss Sze’s service and taking the time to understand her needs, and provided her with the most appropriate solutions to overcome the difficulties and deeply feel our support and care for each client and their family!
Story 2: Not feeling well? Our Efficient Hospital Cashless Service can help you!
What if you get ill? What kinds of chaos will you face? You may firstly need to visit a doctor and then find a hospital for treatment and meanwhile may get unemployed. Even after discharged, you may need to pay an unaffordable bill! We know it may not be a comfortable experience for most of us and especially for a person in sickness. Our hospital cashless service provides a rapid arrangement before you admit to a hospital. This can definitely help you to make you feel safe and take care about your financial needs.
Miss Lee (nickname) noticed an abnormal breast mass in June 2019. She then went to examine her condition by fine needle aspiration and clinical results showed it was a malignant tumor. Fortunately, Miss Lee has bought our high-end medical insurance plan and arranged a hospital cashless service before admission. We noted the policy only inforce for just two years and this may need client to provide further document before approval. But we care about Miss Lee’s worries and preference to admit to a hospital as soon as possible. Our Claims Manager followed up the case overnight and Miss Lee’s case finally approved before her admission in a short period of time. Under our hospital cashless arrangement, Miss Lee would stay in one of the best private hospitals in Hong Kong without worry to pay the bill that could cost up to several hundred thousand dollars or submit Claims files afterwards.
Claims specialists talking about the Voluntary Health Insurance Scheme (“VHIS”)
It is well-known that VHIS covers a wide issue age range and allows for tax deduction. However, from the claims perspective, how would claims specialists see this new plan and what are the exclusive advantages?
Our experienced claims specialists are always trying their best to aid our clients whenever our clients have unexpected needs. “It has been discouraging to be unable to help individuals when they are undergoing non-surgical cancer treatments (chemotherapy and targeted therapy) or psychiatric inpatient treatments that might not get covered due to the restrictions under traditional medical plans across the market,” said our specialist. However, these treatments are now generally under coverage when it comes to VHIS. We are glad to roll out our new VHIS Flexi Plan, WeHealth Plus, offering a no claim discount to healthy clients and cardiac rehabilitation treatment benefits to those in need. We have been receiving enquiries and many were from younger people who want to buy insurance for their parents - learn more about the WeHealth Plus now.
Your phone is the shortcut to all you want to know about your policy
We know waiting is never easy especially during tough times. Want to know immediately if your plan covers the surgery that your doctor just suggested? Wish to keep posted while waiting for the result after submitting a claim? Only got time to review the coverage of your family members at midnight? All of these are just an app away – view your policy eContract and family coverage in My Sun Life HK app, upload your documents and submit your claim at one go, and keep track of the status.
Besides, you may also visit our Claims Page and find out the documents required for claim submission and download forms.
Payment and insurtech adaptation, both got instant with Sun Life
With us, the very first insurance company in Hong Kong adopting the Faster Payment System (FPS) in our claims services, not only can you pay your friend instantly after a meal, you may now also receive your claims payment within 24 hours at the earliest* if you submitted your application through eClaims. One of our clients even got his in 2 minutes after filing a claim! Digitalizing the claims process is an important move to the betterment of the environment and more importantly, it enables us to focus on understanding and fulfilling your needs.
*Only for Individual accident benefits. Documents and information provided shall be complete and valid, and submitted via My Sun Life HK mobile app; clients should have selected to receive claim payments via Hong Kong Monetary Authority’s Faster Payment System (“FPS”). Subject to terms and conditions of FPS and My Sun Life HK mobile app.
We want you to get the protection you deserve
Putting clients at the centre of what we do, our claims specialists work hard on handling every single claims case efficiently and understand that human touch is extremely important when it comes to special circumstances. We look to offload the administrative burden in the claims process from our clients and their family and let them focus on things that matter.
There was once an aged client, insured for years with us who passed away due to an accident. Taking a wide range of factors and the urgency of the situation into account, we decided to exercise discretion for financial support and settled the payment much earlier than it should have been. Another client of ours had to submit a large number of documents to support her claim due to her special situation while both the insured and the beneficiary of the policy had passed away. We know that it was an extremely difficult time for her, and it was hard to obtain all the required documents on her own – so our specialists acted immediately to allay her concerns about the uncommon circumstance and kept track of the status with her financial advisor while collecting necessary reports from the hospitals directly. Being able to help our clients and settle the case could not have been more rewarding.
Awarded and Rewarded: Better experience for you
We buy insurance to minimize our loss when it comes to unfortunate happenings. The Sun Life Hong Kong claims specialists know that our mission is much more important than adjudicating claims. That is why we have always been stretching our vision to be client-centric. We are so much honored to receive the Excellence Award (Claims Management) in the Financial Institution Awards 2019 organized by Bloomberg Businessweek/Chinese Edition. This encouraging moment marks a significant milestone in our multi-year digital transformation journey, and we will move forward to further simplify and optimize our client journey with My Sun Life HK app, enabling you to manage your coverages and submit claims as you need.
Explore the New My Sun Life HK Portal
It’s here – the brand-new My Sun Life HK Portal which will replace the Individual Life e-Services. While keeping the existing functions, many new features and policy details will be added. By using this portal, you will get a comprehensive view of your policies updates timely.
New Interface: The new design is based on that of My Sun Life HK app, which provides you with a simple and user-friendly interface. You are able to view details of your policies effortlessly, with all coverages, policy values and savings collected on one portal.
Supports Different Devices With No Location Limits: No matter where you are, you can always view your policies on-the-go on your mobile phones, tablets or laptops.
eContract Service: Your policy details and documents, including policy contracts, anniversary statements and billing notices, are available under “My Policies” section. This service also enables you to acknowledge your contracts via your devices, as well as send policy documents to your email for future reference. It is simple, easy and environmentally-friendly!
Policy Service Requests: Simply apply on the Portal for policy services, such as updating your personal information. It only takes a few minutes to submit your fund switch or edit future premium allocation requests, which is much faster than traditional paper submission.
A lot more features will be added. Ready to explore more? Access My Sun Life HK Portal now to experience the convenience brought by technology, and start your go-green journey!
Working From Home: Non-regular Eating Habits May Lead to Weight Gain and Increased Risk of Diabetes
A lot of you had the experience of working from home due to pandemic. Exercising home office has led to changes of our habits - more cooking ormore takeaways during the past months. Back in September, we commissioned to ESDlife and carried out the “Changing Eating Habits of Hongkongers during COVID-19” survey, in which 916 local respondents aged between 20 and 55 were interviewed through online questionnaire. The survey revealed that the eating and exercising habits had drastically changed for most of the Hongkongers during COVID-19.
Hongkongers Consumed More Snacks and Gained Weight During Pandemic
Part of the results of the “Changing Eating Habits of Hongkongers during COVID-19” survey are listed below (please refer to the appendix for details):
- Weight gain: 55% of the respondents gained weight during pandemic.
- Ordered takeaway more frequently: 72% of the respondents ordered takeaway during pandemic, and 33% of them have ordered more frequently than ever.
- Consumed more snacks: 43% of respondents consumed more snacks in this period, and the top 3 favorite snacks were potato chips, biscuits and ice cream. On average, they ate snacks 3 times a week.
- Multiple meals: 95% said they had 4 to 5 meals a day. 54% of the male respondents explained that working at home means there is no fixed dining time; 52% of the female respondents implied that food is their dose for relieving depression, and female has a higher dependency than male in terms of food as a relief.
- Reduced exercise: 41% of respondents had no exercise habits at all; only 8% of respondents exercised for 150 minutes or more a week.
Hongkongers Are Generally Not Knowledgeble of Diabetes
Registered dietitian Vivien Lau suggested that unbalanced diet in addition to lack of exercise lead to weight gain, as well as increased risk of getting diabetes. The survey revealed that many Hongkongers still show misunderstandings about diabetes, thinking it relates solely to sugar consumption. Respondents mistakenly believe frequent consumption of sugar-rich drinks and foods will cause diabetes, and diabetic patients should avoid eating rice and get rid of all foods containing sugar and starch.
Lau also highlighted that instead of sugar intake solely, overweight or obesity and lack of exercise play major roles causing Type 2 diabetes. Since there is excessive body fat on people who are overweight or have obesity, insulin resistance may happen on body cells, resulting a higher blood sugar level. Every 9 out of 10 Type 2 diabetes patients are also suffering from overweight or obesity, with the condition namely “Diabesity”.
To maintain a healthy blood sugar level, Lau recommended Type 2 diabetes patients to eat carbohydrates with low glycemic index level for stabilizing blood sugar condition, coupled with cardio and resistance exercise to consume more calories and enhance body sensitivity to insulin.
Heathy Eating Tips For Takeaways
To maintain a healthy diet in general, Lau suggested following tips:
- Choose fresh ingredients such as shredded and sliced meat instead of processed meat which contains more saturated fat. Excess consumption of saturated fat for a long period of time may affect body weight and cardiovascular health.
- Avoid drinking noodle soup and ensure to drink enough water for excreting excess sodium from the body. Excess consumption of sodium for a long period of time may affect blood pressure, and the body is more prone to edema.
- Avoid eating skin, brisket and bone of meat less as they contain more fat. Rich in protein and with less saturated fat, fish and seafood are better meat options.
| Changes of eating habits | Percentage* | |
| 1 | More snacks | 43% |
| 2 | More cooking besides preparing regular meals | 35% |
| 3 | More afternoon tea or late-night supper | 23% |
| 4 | Multiple meals a day | 18% |
*Can choose multiple answers
Table 2: Hongkongers’ top 5 snacks during pandemic
| Rank | Snack(s) | Percentage* | Average per week | Calories / kcal |
| 1 | Potato chips / prawn crackers | 56% | 3.2 times | 530 |
| 2 | Biscuits / cookies | 46% | 3.7 times | 410 |
| 3 | Ice cream | 39% | 2.7 times | 210 |
| 4 | Chocolate | 32% | 3.3 times | 540 |
| 5 | Cakes | 31% | 2.5 times | 360 |
*Can choose multiple answers
Healthy snack options recommended by registered dietitian Vivien Lau: original flavored nuts, sugar-free dried fruits or freeze-dried fruit slices, high fiber cereal bars, lower-calorie baked potato chips, salted popcorn.
Table 3: Exercise habits of Hongkongers during COVID-19
| Age | No exercise habits | 150 mins or above / week |
| Under 25 | 67% | 8% |
| 25 – 29 | 48% | 8% |
| 30 – 34 | 46% | 5% |
| 35 – 39 | 43% | 5% |
| 40 – 44 | 42% | 6% |
| 45 – 49 | 35% | 12% |
| 50 or above | 26% | 15% |
Table 4: Takeaway recommendations and healthy eating tips from registered dietitian Vivien Lau
Takeaway | Healthy eating tips |
Breakfast
| Processed meat such as ham, sausage and luncheon meat contain more saturated fat. Excess consumption of saturated fat for a long period of time may affect body weight and cardiovascular health. Fresh ingredients such as shredded and sliced meat are highly recommended meat options. To reduce oil absorption, replace scrambled eggs with poached eggs or fried eggs and choose toasts without butter. |
Lunch
| Noodle soup served in restaurant usually contain more sodium. Drinking the soup base is thus less recommended. Also ensure to drink enough water for excreting excess sodium from the body. Excess consumption of sodium for a long period of time may affect blood pressure, and the body is more prone to edema. |
Dinner
| We should eat skin, brisket and bone of meat less because they contain more fat. Rich in protein and with less saturated fat, fish and seafood are better meat options. |
Source: Sun Life Hong Kong’s “Changing Eating Habits of Hongkongers during COVID-19” survey.
All information contained in this article shall only be used as general reference and general health knowledge for sharing purposes. The statistical data of this article is obtained from a survey conducted by a Survey agent commissioned by Sun Life Hong Kong. All information contained in this article is not intended to provide any forms of guarantee or medical advice, and does not constitute a solicitation of an offer or offer, and shall not be regarded as the basis for any contract, to sell or to purchase any insurance products. The view contained in this article may be changed at any time without prior notice. Information is provided base on sources believed to be reliable, Sun Life Hong Kong Limited (a company incorporated in Bermuda with limited liability), its associated companies and their directors and employees (collectively “Sun Life Hong Kong”) gives no express or implied warranty, guarantee or represent its accuracy, effectiveness, completeness of the same. Sun Life Hong Kong accepts no liability whatsoever for any loss or damage arising from use of any information or opinion herein. This article is owned by Sun Life Hong Kong. Modification or change is not allowed without the Sun Life Hong Kong’s prior consent. This article is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong outside Hong Kong.
Understanding Global Investment Trends via “Macro Observation” video
Do you know what the global trends and hot topics are among international investors? Watch the “Macro Observation” videos, hosted by our Chief Investment Strategist, Mr. John Lui, for more insights and news on investment trends. You can also access other economic-related information on the same webpage to get yourself prepared for the upcoming year.
Click here to view the October and November editions (in Cantonese, with Chinese and English subtitles). You are also recommended to read the quarterly-updated “market navigator” and investment-related articles which are updated monthly.
Learn more about the world economy with us now!
Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.
Where Is The Ideal Place For Your Retirement?
As our average life expectancy increases, so does our retirement durations. For retirees who seek a place to spend their next chapter is a hot topic. How does it feel like spending your golden age aboard? Would moving to Europe, North America, Australia, Mainland China or staying in Hong Kong suit your lifestyle?
Click here to view the article to get a sense of your retirement life and have a comprehensive retirement plan in advance!
Want To Enjoy Your Retirement? Start Planning Now
As an employee, have you ever had this thought in your mind: Why would I bother or have time to think about my retirement when I need to work overtime every single day, and I am still young.
It is never too early to plan your retirement. You should start doing so even if you still have a long way to go.
Try our Retirement Calculator now! Spend a few minutes to figure out how much you need to save, and how far you are from your retirement goal. Start planning ahead to achieve your dream retirement easier!
Worry No More! COVID-19 Test Arranging Service To Ease Your Concerns
Due to another outbreak of COVID-19 recently, from now until 30 September 2020, we can help you to arrange a screening test appointment at designated clinics in order to ease your health concerns.
This appointment service is applicable to all individual life clients. You can take a Deep Throat Saliva Test provided by JP Partners Medical or Virtus Medical . For appointment details or any assistance required, please contact your advisor.
Stay safe and we wish you all good health!
Note: The testing service is provided by third-party service providers. We will review the service from time to time and may change third-party service providers without prior notice.
Nail Online School Interviews Under COVID-19
In the time of pandemic, more primary schools will be conducting online interviews instead of traditional face-to-face interviews. It is something new to children, meanwhile beneficial in the way that parents’ presence can give them sense of security.
How should parents prepare their children for admission interviews? How to manage their emotions and keep them focused during the interview? The experts believe that Effective EQ (Emotion Quotient) Management is the key to ensuring a successful online interview. Click here to view the smart tips from the experts on how to master online school interview!
Macro Observation: Quick Investment Tips For You
A few months to go for 2020 - It has been an extremely tough year for the whole world. In the midst of the pandemic, crude oil war and other events that had shaken the global economy, it is important to know what is happening all over the world and be prepared for the unpredictable future.
Don’t forget to watch the monthly “Macro Observation” videos, brought to you by Mr. John Lui, our Chief Investment Strategist. In just 4 minutes, you will get to know more about the investment world as John talks about global economy trends, and shares useful investment tips and knowledge.
You can revisit the July and August editions here (in Cantonese, with Chinese and English subtitles). You can also find informative materials such as “market navigator” and investment-related news on the same page.
Click here now to explore the investment world with us.
Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.
Present or Future? We Have Both Covered
Present? Future? You can have it both ways.
Sun Life has your retirement life covered. We provide various retirement plan options which combine MPF, health protection and wealth accumulation. Our new participating insurance plan Victory helps you achieve potentially high long-term asset growth at affordable premiums, and let you pass your wealth to the next generations.
From now until 30 September, you can enjoy up to 16% premium rebate on Annualized First Year Premium (AFYP) upon successful application of Victory, which meets the following requirement on AFYP, premium payment term and premium payment mode:
For more details including product features, risk disclosure and investment philosophy, please refer to the product brochure, promotion leaflet and sample policy document, or contact your advisor.
Play our Facebook Messenger game for retirement tips and rewards
Want to win a prize and get retirement tips? Participate in Sun Life’s interactive game on Facebook Messenger now, featuring actor Kenneth Ma, to receive useful advice for a bright retirement life. You can also test your luck and even bring home a prize (total worth almost HKD40,000)! Click here to learn more.
Grow Your Wealth With Our Triple Offers
Most common reason to purchase insurance: to provide the biggest support to yourself and your family at the most difficult times. What about growing your wealth at the same time? Enjoy our triple offers specially prepared for you and start to accumulate your reserve for the future now!
Offer 1: Venus (New Product) – 2.5% Premium Discount
Venus is our latest participating insurance plan that can assist you to accumulate wealth stably with flexibility and security for legacy planning. By just one single premium payment at the beginning of the plan, you can achieve long-term wealth growth without incurring transaction costs. Your wealth may even multiply before passing to the next generation!
From now until September 30 2020, enjoy a 2.5% premium discount on single premium paid if you successfully apply for Venus and the policy is issued on or before 31 December 2020.
For details, please refer to our product brochure and promotion leaflet .
Offer 2: SunWish – Bonus Reward Offer
(Unless otherwise defined herein, capitalized terms use in this leaflet shall have the same meaning as those defined in the offering document of SunWish.)
Important Notes
- SunWish (the ‘Plan’), being an investment-linked assurance scheme (‘ILAS policy’), is an insurance policy issued by Sun Life Hong Kong Limited (‘the Company’). Your investments are therefore subject to the credit risks of the Company.
- The contributions paid by you towards this Plan will become part of the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
- Your return on investments is calculated or determined by the Company with reference to the performance of the underlying funds/assets.
- The Death Benefit of the policy is subject to investment risk, it may be significantly less than the premium paid.
- The return of investments under this Plan shall be subject to the charges of the scheme and may be lower than the return of the underlying funds. If you want to know more about the detail of the fees and charges of the Plan, please refer to the offering documents of the Plan. For percentage of total premiums for covering the total fees and charges at the plan level, please refer to the Product Key Facts Statement of the Plan.
- Early surrender or withdrawal of this Plan may result in a significant loss of principal and/or bonuses awarded. Poor performance of underlying funds/assets may further magnify your investment losses, while all charges are still deductible.
- The investment-linked funds available under the scheme can have very different features and risk profiles. Some may be of high risk.
- ’Underlying Funds’ available for selection are the funds listed in the Investment-Linked Fund Guide. These may include funds authorized by the SFC pursuant to the Code on Unit Trusts and Mutual Funds (‘UT Code’), but may also include other portfolios internally managed by the Company on a discretionary basis not authorized by the SFC under the UT Code.
- You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
- Investment involves risks. You should not rely on this material alone. Please read the offering document of this Plan carefully including Product Key Facts Statement and Principal Brochure (which consists of the Product Brochure and the Investment-linked Fund Guide) for further details including risk factors.
Features of SunWish:
- This is a single contribution investment-linked insurance plan, subject to a minimum single contribution requirement of USD8,000.
- The death benefit amount, equivalent to 105% of your policy value, will be payable in a lump sum to the designated beneficiary in the unfortunate event of the insured’s death.
- You may receive a Top-up Bonus at the end of 1st policy year as well as an annual Loyalty Bonus starting from the end of 4th policy year, subject to conditions. The Top-up Bonus and Loyalty Bonus form part of the policy value and are subject to applicable fees and charges as described in the offering documents of the Plan.
- Partial cash withdrawal can be made at any time subject to conditions, and an Early Encashment Charge of up to 8.5% of the requested withdrawn amount will apply if partial withdrawal is made in the first 4 policy years.
- An Early Encashment Charge of up to 8.5% of the policy value will also be applied if you surrender your policy in the first 4 policy years. As a result, you may suffer from a significant loss of principal and/or bonuses awarded (if any).
- The Plan is subject to charges including Administration Charge, Early Encashment Charge, Management Charge and Underlying Fund Charges.
(For more details of the product features including fees and charges, please refer to the offering documents of SunWish.)
Bonus Reward
From 1 July 2020 to 30 September 2020 (the ‘Promotion Period’), both dates inclusive, customers who successfully apply for this Plan with single contribution of USD25,000 or above, and the policy is issued on or before 30 October 2020, may enjoy the following Bonus Reward in addition to the existing Top-up Bonus*, in the form of additional notional unit(s) of investment-linked fund(s) (the “Additional Notional Units”)under the Plan. Bonus Reward will form part of the policy value and is subject to applicable fees and charges as described in the offering document of the Plan. The Bonus Reward will be calculated based on the single contribution amount listed in the table below and is subject to the Terms & Conditions set out below.
Note: The above bonus rates do not represent the rate of return or performance of investment of your policy.
* For details of Top-up Bonus, please refer to section ‘Dual Bonuses’ in the Product Brochure of SunWish.
Illustrative Example of Bonus Reward calculation
1. Figures in the above examples are hypothetical and for illustrative purpose only.
2. Please note that Bonus Reward claw back may be applicable under certain situation. Please see below for illustrative examples of Bonus Reward claw back.
The customer will not be entitled to the Bonus Reward if (i) cash withdrawal is made from the policy(ies) or (ii) the policy(ies) is/are surrendered or terminated before the Bonus Reward(s) is/are credited to the policy(ies). If policy(ies) is/are surrendered or terminated within the first policy year, the original value of the Bonus Reward credited to the policy(ies) and positive investment return from the Bonus Reward (if any) will be clawed back at the time when the policy(ies) is/are surrender or terminated. The Bonus Reward to be clawed back is the higher of (i) prevailing market value of the Additional Notional Units at the time of claw back; and (ii) original value of the Additional Notional Units credited. Please refer to the examples stated below.
Illustrative examples of Bonus Reward claw back
Example 1: If policy(ies) is/are surrendered or terminated within the first policy year, the Bonus Reward credited to the policy(ies) will be clawed back. Please note that this example assumes that the prevailing market value of the Additional Notional Units at the time of claw back is higher than the original value of the Additional Notional Units credited.
^ The prevailing market value of the Additional Notional Units is clawed back since it is higher than the original value of the Additional Notional Units credited at the time of claw back.
Example 2: If policy(ies) is/are surrendered or terminated within the first policy year, the Bonus Reward credited to the policy(ies) will be clawed back. Please note that this example assumes that the original value of the Additional Notional Units credited is higher than the prevailing market value of the Additional Notional Units at the time of claw back.
# The original value of the Additional Notional Units credited is clawed back since it is higher than the prevailing market value of the Additional Notional units at the time of claw back.
For details, please contact your financial consultant.
Terms & Conditions:
- The above offer is only applicable to any new application(s) of the Plan submitted within the Promotion Period and such policy(ies) must be issued by the Company on or before 30 October 2020.
- For the purpose of determining the amount of Bonus Reward, the single contribution is the amount stated in the policy summary issued to the customers.
- If the customer applies for more than one policy of the Plan within the Promotion Period, the Bonus Reward is to be determined separately for each policy.
- The Bonus Reward will be credited to the customers’ policy(ies) within December 2020 (the exact date will be determined by the Company) in the form of the Additional Notional Units according to the customers’ latest executed investment-linked fund allocation instruction(s) on condition that the policy(ies) is/are still in force at the time when Bonus Reward is credited. The Bonus Reward is not convertible for cash.
- The amount of single contribution will be rounded to the nearest dollar for Bonus Reward calculation.
- A customer notification letter will be sent to the eligible customer after the Bonus Reward is credited to the policy(ies).
- Bonus Reward will form part of policy value and is subject to applicable fees and charges as described in the offering document of the plan.
- The above offer is subject to availability at the discretion of Sun Life Hong Kong Limited. Sun Life Hong Kong Limited reserves the right to vary, suspend or cancel the offer and amend the terms and conditions at any time without prior notice. For application of the Plan submitted before variation, suspension or cancellation of the offer, customers will still be entitled to the original offer. In the event of any dispute, the decision of Sun Life Hong Kong Limited will be final.
This leaflet contains general information only and shall not be construed as an offer to sell any policy(ies). For information of the Plan, including the risk factors and fees & charges, please refer to the offering documents of SunWish.
Investment involves risks and past performance is not indicative of future performance. Investment returns may rise as well as fall. Currency movements and market conditions may affect the value of investment.
Emerging markets may involve a higher degree of risk than in developed markets and are usually more sensitive to price movements. Prices of the underlying funds may have higher volatility due to investment in emerging markets, financial derivatives instruments or structured instruments, and may involve a greater degree of risk than the conventional securities.
This leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong Limited outside Hong Kong.
Offer 3: SunArchitect – Special Bonus Reward Offer
Important Notes
- SunArchitect (the “Plan”), being an investment-linked assurance scheme (“ILAS policy”), is an insurance policy issued by Sun Life Hong Kong Limited (“the Company”). Your investments are therefore subject to the credit risks of the Company. The premiums paid by you towards your ILAS policy will become part of the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
- Your return on investments is calculated or determined by the Company with reference to the performance of the underlying funds.
- The return of investments under your ILAS policy shall be subject to the charges of the scheme and may be lower than the return of the underlying funds.
- Early surrender or withdrawal of your ILAS policy/suspension of or reduction in contribution may result in a significant loss of principal and/or bonuses awarded. Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible.
- The investment-linked funds available under the scheme can have very different features and risk profiles. Some may be of high risk.
- Underlying funds available for selection are the funds listed in the Investment-Linked Fund Guide. These are funds authorized by the SFC pursuant to the Code on Unit Trusts and Mutual Funds.
- You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
- The investment returns of the Plan may be subject to foreign exchange risks as some of the underlying funds may be denominated in a currency which is different from that of the Plan.
- The Plan does not have any guarantee of the repayment of principal. You may not get back the full amount of contribution you pay and may suffer investment losses.
- Investment involves risks. You should not rely on this material alone. Please read the offering documents of the Plan carefully including the Product Key Facts Statement and the Principal Brochure (which consists of the Product Brochure and the Investment-Linked Fund Guide). For more information about the underlying funds, please refer to the offering documents of the underlying funds which are made available by the Company upon request.
More importantly, you should be aware of the following regarding your death benefit and the cost of insurance (“insurance charges”):
- Part of the fees and charges you pay that will be deducted from the value of your ILAS policy will be used to cover the insurance charges for the life coverage.
- The insurance charges will reduce the amount that may be applied towards investment in the underlying funds selected. The insurance charges may increase significantly during the term of your ILAS policy due to factors such as the insured’s attained age and investment losses, etc. This may result in significant or even total loss of your contributions paid.
- If the value of your ILAS policy becomes insufficient to cover all the ongoing fees and charges, including the insurance charges, your ILAS policy may be terminated early and you could lose all your contributions paid and benefits.
- You should consult your intermediary for details, such as how the insurance charges may increase and could impact the value of your ILAS policy.
The Plan is a long-term investment-linked insurance plan combining life insurance coverage and investment opportunities. The following provides a highlight of certain key product features of SunArchitect only. For more details regarding the Plan and the respective investment-linked funds available under the Plan, please refer to the offering documents of the Plan. As investment involves risks, it is critical for you to understand the key product features and risks of the Plan.
There is a section “Glossary” at the end of this leaflet. For those words which are capitalized, unless stated otherwise, please refer to the section “Glossary” for explanation.
Key Product Features of SunArchitect
Minimum Contribution
- The Plan allows you to pay regular contribution over a Contribution Payment Term, ranging from 5 to 25 years, subject to the minimum Annualized Contribution Amount requirement. The minimum Annualized Contribution Amount requirement is USD2,400 per annum for Contribution Payment Term from 5 years to 14 years and USD1,200 per annum for Contribution Payment Term from 15 years to 25 years. Please refer to the section “Getting started” in the Principal Brochure – Product Brochure of the Plan for details.
Death Benefit
- The death benefit amount is equal to the higher of (i) 105% of your Policy Value or (ii) total amount of contributions that you have paid towards your ILAS policy less total amount of all partial withdrawals made by you. The death benefit will be paid to the beneficiary designated by you in the unfortunate event of the insured’s death.
- The death benefit stated above is subject to suicide clause. If the insured, whether sane or insane, commits suicide within 1 year after the policy start date (i.e. the date on which the policy becomes effective) or the reinstatement date, whichever is later, the death benefit will be equal to the Policy Value.
Please refer to the section “Life insurance protection for your loved ones” in the Principal Brochure - Product Brochure of the Plan for details.
Bonuses
- You may be entitled to a variety of bonuses including
i) First year bonus upon our confirmation of receipt of each payment of your regular contributions due and received during the first policy year. The first year bonus rate is up to 1.5% and it varies depending on your Annualized Contribution Amount (as at policy start date, i.e. the date on which the policy becomes effective);
ii) Long-term bonus up to 2.5% of the average Policy Value depending on your selected Contribution Payment Term and the payment ratio at the date when the relevant long-term bonus is payable, and
iii) Commitment bonus which is applicable to the ILAS policy with Contribution Payment Term of 15 years or more and is equal to 100% of the total amount of policy fee paid during the Contribution Payment Term. It is payable at the end of the Contribution Payment Term while the ILAS policy is still in effect.
The above bonuses are subject to the terms and conditions. Please refer to the section “Enjoy bonuses” in the Principal Brochure - Product Brochure of the Plan for details. The above bonuses will form part of the Policy Value and are subject to all applicable fees and charges as set out in the section “Schedule of Fees and Charges” in the Principal Brochure - Product Brochure of the Plan.
Partial Withdrawal
- After the completion of the Mandatory Contribution Period, you can make a one-off partial withdrawal from your Policy Value, free of charge, subject to its administrative rules as follows:
i) After the Mandatory Contribution Period but during the Surrender Charge Period - the minimum withdrawal amount is USD500 and the maximum withdrawal amount is up to an amount that the Policy Value immediately after the partial withdrawal is not less than the Annualized Contribution Amount (as at policy start date, i.e. the date on which the policy becomes effective) multiplied by the Mandatory Contribution Period (in policy months) divided by 12.
ii) After the Surrender Charge Period - the minimum withdrawal amount is USD500 and the maximum withdrawal amount is up to an amount that the Policy Value immediately after the partial withdrawal is not less than USD500.
- Partial withdrawal may lead to a significant reduction in the Policy Value, and accordingly the death benefit and any long-term bonus will be reduced. The reduction in the Policy Value may trigger policy termination if the Policy Value is insufficient to cover Monthly Deductions due. Please refer to the section “Access to your money” in the Principal Brochure - Product Brochure of the Plan for details.
Investment-Linked Funds
- The Company offers a range of investment-linked funds for you to choose from, each with different investment objectives, features and risk profile, so that you can choose the investment-linked fund mix that suits you the best.
Termination of Policy
- Policy will be automatically terminated under certain circumstances. Please refer to the section “Access to your money” in the Principal Brochure - Product Brochure of the Plan for details.
- Prior to the end of the Surrender Charge Period, there will be an early surrender charge in case of policy termination (other than as a result of the death of the insured) or surrender. Please refer to the section “Schedule of Fees and Charges” in the Principal Brochure - Product Brochure of the Plan for details.
Fees and Charges
- The Plan is subject to different fees and charges including the policy fee, administration charge, insurance charge, surrender charge, management charge and underlying fund charges. Please refer to the section “Schedule of Fees and Charges” in the Principal Brochure – Product Brochure of the Plan for details.
For more details regarding the Plan and the respective investment-linked funds available under the Plan, including fees and charges, please refer to the offering documents of the Plan. For more information about the underlying funds corresponding to the investment-linked funds available under the Plan, please refer to the offering documents of the underlying funds which are available from the Company upon request, free of charge.
Special Bonus Reward
From July 1, 2020 to September 30, 2020, both dates inclusive, customers who successfully apply for the Plan with Annualized Contribution Amount of USD1,200 or above (for Contribution Payment Term 15 years to 25 years) or Annualized Contribution Amount of USD2,400 or above (for Contribution Payment Term 5 years to 14 years), and the policies are issued on or before October 30, 2020 can enjoy the following bonus reward in the form of additional notional unit(s) of investment-linked fund(s) (“Special Bonus Reward”) under the Plan (subject to the Terms & Conditions set out below). The Special Bonus Reward will be calculated as follows:
Annualized Contribution Amount as at policy start date (i.e. the date on which the policy becomes effective) x Special Bonus Reward rate.
The Special Bonus Reward rate varies depending on your selected Contribution Payment Term and the Annualized Contribution Amount per policy as set out below:
Note: The above bonus rates do not represent the rate of investment return of your policy.
- A customer will not be entitled to the Special Bonus Reward if the policy(ies) is/are (i) cancelled within the cooling-off period or (ii) surrendered or terminated before the Special Bonus Reward is credited to the policy(ies).
- The Special Bonus Reward credited will not be clawed back if the policy(ies) is/are surrendered or terminated after the Special Bonus Reward(s) is/are credited to the policy(ies).
- The Special Bonus Reward will form part of Policy Value and is subject to all applicable fees and charges as described in the section “Schedule of Fees and Charges” in the Principal Brochure – Product Brochure of the Plan. Please refer to the section “Schedule of Fees and Charges” in the Principal Brochure – Product Brochure of the Plan for details.
Illustrative Example of Special Bonus Reward Calculation
The above examples are hypothetical and for illustrative purpose only.
For details, please contact your consultant.
Terms & Conditions:
(i) The Special Bonus Reward is only applicable to any new application(s) of the Plan submitted between July 1, 2020 to September 30, 2020, both dates inclusive (the “Promotion Period”).
(ii) A customer applying for more than one policy of the Plan within the Promotion Period shall not use the aggregate Annualized Contribution Amount of such policies in determining the Special Bonus Reward rate. The Special Bonus Reward is to be determined separately for each policy based on the respective Annualized Contribution Amount.
(iii) The Special Bonus Reward will be credited to customer’s policy(ies), for both annual and monthly payment modes, within December 2020 (the exact date will be determined by the Company) in the form of additional notional units of investment-linked fund(s) according to customers’ last executed investment-linked fund allocation instructions on condition that the policy(ies) is/are still in force at the time when Special Bonus Reward is credited.
(iv) The Special Bonus Reward is not transferable for cash.
(v) The amount of the Special Bonus Reward will be rounded to the nearest dollar.
(vi) A customer notification letter will be sent to a customer who is eligible for the Special Bonus Reward(s) within one month after the Special Bonus Reward(s) is/are credited to the policy(ies).
(vii) The above offer is subject to availability at the discretion of Sun Life Hong Kong Limited. Sun Life Hong Kong Limited reserves the right to vary, suspend or cancel the offer and amend the terms and conditions at any time without prior notice. If application of the Plan is submitted before variation, suspension or cancellation of the offer, customer will still be entitled to the offer prior to such changes. In the event of any dispute, the decision of Sun Life Hong Kong Limited will be final.
Glossary
- Annualized Contribution Amount refers to the regular contributions of the Plan that you wish to pay each year during the Contribution Payment Term.
- Contribution Payment Term means the period during which you choose to pay Annualized Contribution Amount towards your policy.
- Mandatory Contribution Period is an initial period, commencing on the policy start date (i.e. the date on which the policy becomes effective) and lasting for 15 to 36 policy months depending on the selected Contribution Payment Term, during which all due contributions are required to be paid.
- Monthly Deductions means the amount by which the Company will reduce the Policy Value on the first working day of each policy month. The Monthly Deductions include the policy fee, administration charge, and insurance charge of the death benefit.
- Policy Value is the sum of the value of notional units of all investment-linked funds held under your policy. The value of notional units of each investment-linked fund is the total number of notional units of such investment-linked fund multiplied by the bid price of the notional units of such investment-linked fund. Bid price means the price at which a notional unit of an investment-linked fund shall be redeemed.
- Surrender Charge Period is an initial period, commencing on the policy start date (i.e. the date on which the policy becomes effective) and lasting for 5 to 12 policy years depending on the selected Contribution Payment Term, during which a surrender charge is deducted from your Policy Value upon surrender or termination of the policy for any reason other than the death of the insured.
This leaflet contains general information only and shall not be construed as an offer to sell any policy(ies). For information of the Plan, including the risk factors and fees & charges, please refer to the offering documents of the Plan.
Investment involves risks and past performance is not indicative of future performance. Investment returns may rise as well as fall. Currency movements and market conditions may affect the value of investment.
This leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong Limited outside Hong Kong.
Not Going Out? Get Your Coverage Easily At Home
In view of the latest development of COVID-19, the Insurance Authority has rolled out phase 2 of Non-Face-To-Face (“NF2F”) Selling Process as a temporary facilitative measure* until 30 June 2020, to minimize the risk of infection from face-to-face meetings.
From now until 30 June 2020, clients only need to use a mobile phone or tablet to purchase insurance products via our brand-new “Digital Sales System” and pay the premium using a credit card. Upon approval of the application, clients can view and acknowledge receipt of the policy documents electronically in My Sun Life HK app. No face-to-face connection is required.
The following products are eligible for the NF2F selling process:
- Foresight Deferred Annuity Plan
- WeHealth
- WeHealth Plus (Scheme 1 & 2)
- Hospital Income Insurance Plan
- SunCare Accident Protection Plan
- SunHealth Medical Care
- SunHealth Medical Essential
- SunHealth Medical Premier
- One/Five Year Term Plan II
- Critical Medical Care Insurance Plan II
- SunHealth Cancer Shield
To learn more about the product details, please go to our company website or connect with your advisors.
*Note: Implementation details of the temporary facilitative measures include upfront disclosure at the point-of-sale and an extended cooling-off period from 21 calendar days to 30 calendar days.
Your Voice, We Heard
This March, we conducted a survey to collect your comments on our previous eNewsletters, as well as to find out areas which interest you the most in our quarterly eNewsletters. Out of the 633 responses we received, the following 3 areas are the most desired:
- Latest information and promotions (wealth and financial management tips, health and wellness information)
- Digital services (new functions in My Sun Life HK app and e-Services)
- Insurance products (product information and promotions for savings/medical insurance)
We would like to express our gratitude for your participation and valuable comments. Your comments will be used to help us to create and develop contents that fit you better. Trending topics and investment-related videos will be featured to provide you with a better reading experience.
4-Minute Lesson: Asset Management
Each month, our Chief Investment Strategist, Mr. JOHN LUI shares his investment knowledge and tips, global economy trends and market overview in the 4-minute “Macro Observation” video.
You can view “Sun Life Asset Management - Macro Observation” videos HERE* and revisit the April and May editions (in Cantonese, with Chinese and English subtitles). Besides, you can access more market views and investment-related news on the Asset Management page on our company website, including quarterly Market Navigator and MPF Average Disparity Index. Editorial columns will be updated monthly for you to better understand the investment world.
*Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinion. This is neither an invitation of investment nor agreement to make any product purchase.
Live Healthily & Fight Diabetes
Our Facebook Group, “Siu Tong Café” (糖不得冰室), which is part of the pre-diabetes control management programme (掌糖人計劃) was recently launched! Featuring “The Tong’s family”, the group aims to provide health tips and knowledge regarding diabetes, including exercise, diet, habits and related medical cost information, to raise the awareness of the disease.
On the move with Glucolife
The Glucolife app assists you to live a healthier life by monitoring your daily exercising, dieting and resting.
- Professional – Calculates your health risk: Aktivo Score® and Fibre Score are developed by a team of professionals in medical field and artificial intelligence (AI) based on scientific studies.
- Thoughtful - Improve your health life: Giving practicable suggestions on exercising, dieting and resting, as well as recipes with highly-fibred ingredients. This leads you to acquire better habits and thus, a healthier life.
- Engaging - Motivates you to complete health challenges: A series of health challenges are there to motivate you to keep moving. You may even get your lifestyle rewards after completing the challenges.
Join our Siu Tong Café and live a healthy life with us!
Download Glucolife app and use registration code “slf-news2020” to log in.
Note:
- The information is provided to you by third-party service provider Aktivolabs Pte. Ltd. (“Aktivo”) via its mobile app Glucolife (“Glucolife”). You may download Glucolife on Apple Store and Google Play. By downloading or using Glucolife, you may be bound the relevant terms and conditions. Sun Life may promote or quote information from Glucolife. The promotion or quotation of any such information shall not constitute any form of warranty, guaranty, or representation on the accuracy, validity or completeness of such information, whether expressly or impliedly, by Sun Life. Sun Life is not responsible for any loss or damage whatsoever arising out of or in connection with any such information.
- Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
- Google Play and the Google Play logo are trademarks of Google LLC.
Health Info: Pneumonia
The outbreak of COVID-19 is undeniably the hottest topic over the last few months, raising public awareness on hygiene and prevention of infection. Indeed, before COVID-19, Pneumonia has been one of the leading causes of death in Hong Kong. In 2019, over 9,000 lives were taken due to pneumonia*.
Causes
Pneumonia is a common lower respiratory tract disease, referring to an infection of the lungs caused by bacteria, viruses, or fungi. Inflamed cells interrupt the exchange of oxygen in bloodstream, causing difficulties in breathing. A cold or influenza are found to be a common cause of pneumonia as they affect the immune system. Regardless of age, anyone can get pneumonia. Elderly, infants and people with chronic diseases are at higher risk. Regular smokers and even second-hand smokers at young age are also more prone to be infected.
Symptoms
The symptoms of pneumonia are often mistaken with influenza at first. The critical period for cure is always hindered as a result. Symptoms include:
- Cough with greenish, yellow or bloody mucus
- Fever, sweating or shaking chills
- Difficulty in breathing, or short, rapid and shallow breathing
- Chest pain when breathing or coughing
- Loss of appetite, low energy and fatigue
- Nausea and vomiting
- Confusion
Prevention
Public awareness to prevent diseases has been raised recently. To fight pneumonia, everyone has to wash your hands frequently, wear a mask when you are sick or at hospitals or clinics, and drink adequate amount of water to keep your throat moist. The following steps could also help to reduce your risk of infection:
- Get pneumococcal and influenza vaccination regularly: a cold or influenza may induce pneumonia. Getting vaccinated is one of the most effective measures in prevention.
- Quit smoking and drinking
- Maintain a balanced diet and consume supplements as advised by professionals
- Avoid going to crowded or poorly ventilated places
- Use serving utensils for group meals to prevent exchange of viruses in our saliva
- Avoid indoor air pollution (due to combustion of wood and such)
- Practice breastfeeding: breastfeeding infants in the first 6 months after being born can help boost the immune system. Period of illness can also be shortened.
Source: Centre for Health Protection of Department of Health* , World Health Organization, American Lung Association.
Special Arrangements for the Novel Coronavirus Infection
In view of the Novel Coronavirus Infection (“COVID-19”, according to World Health Organization) situation, Sun Life Hong Kong launched several special handling arrangements, effective from 24 January until 30 April 2020, to make it easier for our clients.
Measures include policy coverage arrangement and claims procedure handling stated as below:
Policy Coverage Arrangement
- Waive waiting period (applicable to all individual medical policies)
- Relax 3A hospital restriction in Mainland China and accept treatments provided by non-3A hospitals in Mainland China
- Allow reinstatement without underwriting on lapsed policy if premium payment is delayed due to treatment 1
Claims Procedure Handling
- Claims decision will be made within 1 working day (applicable to all individual medical policies)
- Special and expedited handling for COVID-19 cases through Client hotline: 2103 8928
- Simplified applications by only showing the diagnosis proof, no claim forms required
- Easy submission via My Sun Life HK app anytime, anywhere
- Rapid payment by Faster Payment System (FPS) to client’s local bank account 2
Remarks:
1. The client needs to provide the diagnosis proof within 30 days after discharge.
2. Only applicable to clients registered with a FPS account and must be registered under the policy owner.
Additional arrangements:
1. No Claim Discount
No claim discount will be applied to clients have individual medical benefit1, who admit to a hospital due to diagnosed with “COVID-19”, with effective period from 24 January to 30 April 2020 (both dates inclusive).
2. Waive Standalone Medical Plan’s Examination and Lab Test Fee
For new applications for standalone medical benefit2 during the designated application submission period (from 24 January 2020 to 30 April 2020; both dates inclusive), the medical cost for examination / test / Attending Physician’s report during medical underwriting will be borne by Sun Life only during this period.
Remarks:
1. Applicable to SunHealth Medical Care, SunHealth Medical Fit and WeHealth Plus (Scheme 1 and 2)
2. Applicable to SunHealth Medical Care (Basic Plan), WeHealth, WeHealth Plus (Scheme 1 and 2), SunHealth Medical Essential (Basic Plan) and SunHealth Medical Premier (Basic Scheme)
Frequently Asked Questions:
Special Arrangements on “Severe Respiratory Disease associated with a Novel Infectious Agent” (“COVID-19”, according to World Health Organization)
Valid period: From 24 January 2020 to 30 April 2020 (both dates inclusive)
Medical Policy
Q1. I am a Sun Life individual medical policy owner. I got admitted to a hospital and was diagnosed with “COVID-19”. Will the contract terms of waiting period apply?
A1. No, the special arrangements during the valid period apply to ALL individual medical policies. If you are admitted to a hospital due to confirmed “COVID-19”, within the effective period of 24 January to 30 April 2020 (both dates inclusive), the waiting period would be waived.
Q2. If I got admitted to the isolation ward in a hospital due to confirmed “COVID-19”, is medical benefit covered?
A2. Yes, it is covered (applicable to all individual medical policies).
Q3. If I got admitted to a hospital in Mainland China due to confirmed “COVID-19”, is medical benefit covered?
A3. Yes, when you are admitted to a hospital during the special arrangements valid period (24 January to 30 April 2020), we cover treatments provided by all hospitals including non-3A hospitals in Mainland China (applicable to all individual medical policies).
Claim
Q4. If I got admitted to a hospital due to confirmed “COVID-19”, is the original hospital receipt required when I submit a claim request?
A4. No. We understand this is a difficult time and in order to simplify the claim process, a claim form is not required. We will accept a copy of the diagnosis proof and hospital receipt – originals are not required.
Q5. How can I submit a claim without needing to come to your offices?
A5. My Sun Life HK app allows you to submit medical and personal accident claims anytime, anywhere and is the fastest channel. Alternatively, you may also mail documents to our office at:
Sun Life Hong Kong Limited
G/F, Cheung Kei Center Tower B,
18 Hung Luen Road,
Hunghom, Kowloon,
Hong Kong
Q6. Is there any claim payment methods other than cheques?
A6. Yes, rapid payment by Faster Payment System (FPS) by direct payment to client’s local bank account is available. It is only applicable to clients registered with a FPS account and must also be registered under the policy owner.
Q7. After the claim submission, when will I get the claim result?
A7. We will provide the claim decision in 1 working day (applicable to all individual medical policies). You can find the status of your claim in our My Sun Life HK app.
Q8. Will being treated and claiming for the “COVID-19” affect the “No Claim Discount” benefit in my policies1?
A8. No. Our “No Claim Discount” will still be enjoyed by our clients even though clients had to be admitted to a hospital due to confirmed “COVID-19” during the period from 24 January to 30 April 2020 (both dates inclusive).
Critical Illness Benefit
Q9. Is “COVID-19” under our Critical Illness coverage?
A9. No, it is not under the listed Critical Illnesses in our Critical Illness benefit. However, if the “COVID-19” turns into any covered Critical Illnesses (for example, End Stage Lung Disease under SunHealth OmniCare benefit), and if the symptoms surpassed waiting period and the conditions fulfilled the Critical Illness contract definition, the Critical Illness claim will be paid.
Accident Benefit
Q10. Is “COVID-19” under our accident coverage?
A10. No, “COVID-19” is not covered in our accident plans.
Reinstatement
Q11. If I am diagnosed with “COVID-19”, and couldn’t pay my premium on time causing it to lapse, would policy reinstatement be allowed?
A11. Yes, you can submit a request with diagnosis proof within 30 days from the hospital discharge date. No underwriting is required.
New Business
Q12. I am interested in medical insurance and would like to apply for standalone medical benefit2. If Sun Life wants me to attend a medical examination, do I have to bear the cost?
A12. No, if a new application for standalone medical benefit2 is submitted during the period of 24 January to 30 April 2020 (both dates inclusive), any costs for medical examination/laboratory test/attending physician’s report during medical underwriting will be borne by Sun Life only during this period.
Policy Administration
Q13. Is there any way I can find out more about my policy details and make transaction requests other than having to mail in forms/requests or come into your Service Centre?
A13. Yes, My Sun Life HK app allows you to access your policies anytime, anywhere.
You are able to view your:
- Policies and coverage for your whole family
- Total policy assets including savings and funds balances
- Details of your medical and surgical coverages/benefits
- Policy anniversary statements
- Policy contracts (for policies issued on or after 1 April, 2019 and you are an individual client, NOT a corporate client)
- And much more
You are able to receive:
- Policy acknowledgement receipts
- Notifications on when premiums are due
- Notifications on the status of your requested transactions
You are able to:
- Submit hospital and accident claims
- Update your personal information (e.g. address, number and other contact details)
- Change premium allocations
- Switch funds
- Setup a standing instruction (Withdraw dividend and/or coupon fund from a policy pay to itself / another policy’s premium & levy on premium due date)
Dedicated Hotline
Q14. In case I have further enquiries related to “COVID-19”, is there any dedicated person or hotline that I can reach out to?
A14. Yes, you may call our dedicated hotline at (852) 2103-8928.
Remarks:
1. Applicable to SunHealth Medical Care, SunHealth Medical Fit and WeHealth Plus (Scheme 1 and 2).
2. Applicable to SunHealth Medical Care (Basic Plan), WeHealth, WeHealth Plus (Scheme 1 and 2), SunHealth Medical Essential (Basic Plan) and SunHealth Medical Premier (Basic Scheme).
We will monitor the situation and update with any further arrangements and announce accordingly. Sun Life reserves the rights to vary, suspend or cancel the above arrangements and amend the terms and conditions at any time without prior notice. In the event of any disputes, the decision of Sun Life will be final and conclusive.
For more details, please visit our company website on Sun Life offers special supportive arrangements on “COVID-19” or seek assistance from your agent.
Better Services with Our New Office
For a better Client Services experience, our Client Service Center has now been relocated to G/F, Tower B, Cheung Kei Center, No. 18 Hung Luen Road, Hunghom. In addition to the brand-new location and a more spacious servicing environment, ‘Digital Corner’ is the newest addition to our Client Service Center, where clients are able to explore the new features on My Sun Life HK app. Different models of electronic devices are displayed at the area so clients can experience the functions.
My Sun Life HK app allows you to access your policies anytime, anywhere. You are able to view your policy summary, benefits schedule, premium dues, anniversary statements, e-contracts for policies issued after April 1, 2019 and important notifications. You can also submit claims, update personal information, allocate your premiums, and switch funds effortlessly via the mobile app.
Easy Pay for New Policies via Payment Gateway Service
With our upcoming Payment Gateway Service, we are providing a more convenient way for you to settle the premium payment for new policies by using your Visa or Mastercard to pay easily online!
The service is introduced to improve your overall experience. Time required settling the payment process will be reduced. Clients simply need to access the payment website, followed by identity authentication and inputting credit card details to complete the transaction within clicks from their smartphones.
This new Payment Gateway Service will be available starting from early April. Visa and Mastercard are accepted and the payer must be the policy owner in order to proceed.
Doubling Joy with Our Limited-time Double Offers
At the beginning of the Chinese New Year, we are launching 2 special offers on retirement and medical coverage helping our clients to plan a healthy and wealthy future.
Offer 1: Worry-free Retirement Client Offer
From February 1 to March 20, 2020 (both dates inclusive), applicants who successfully applied for the Foresight Deferred Annuity Plan and fulfilled the minimum Annualized First Year Premium (“AFYP”) as stated in the table below may enjoy at least 5% premium rebate.
Offer 2: Stay Healthy Client Offer
From February 1 to April 30, 2020 (both dates inclusive), applicants who successfully applied for the selected medical & critical illness basic plans (“Selected Plans”) and/or selected rider benefits (“Selected Rider”) stated below will be entitled a 5% premium rebate on AFYP.
| Selected Plans | Selected Rider |
For more details, please reach out to your advisor.
Add Up the Numbers for a Happy Retirement
Do you know what it takes to work towards a secured and happy retirement? Are you saving enough? Are you on track in achieving your savings goals?
Don’t leave your retirement unplanned and the savings to chance. All you need to do is to answer some questions regarding your retirement goals, investments plan, plus future lifestyle and medical coverage you expect to enjoy during retirement through 3 easy steps in our new Retirement Calculator.
In just 5 to 7 minutes, you will get a summary outlining key projections and numbers for a picture of your ideal retirement life. That may reflect potential shortfall of savings that you need to make up in the future.
You can also share this useful Retirement Calculator by Sun Life with your friends and family. Most importantly, discuss the results further with your advisor about how to stay on track to achieve your goals with action plans.
Try out the Calculator and access to your ideal retirement life now!
Get a grasp on your policies at ease
Want to keep track of your policies whenever, wherever you want? My Sun Life HK app & portal are curated to make your policy management much easier and faster.
Just upgraded: ILAS performance page
The ILAS performance page allows you to understand better on the performance of each fund under your ILAS policies.
The average offer/bid prices, account values and more are clearly shown. You can also find how much you have contributed or withdrawn, as well as the profit or loss on your ILAS policies.
Via My Sun Life HK app & portal, you can also:
- Switch your existing investment-linked funds easily
- Change your premium allocation and add new funds as you wish
- Set up payout method on your own for policy values offered upon maturity
Visit App Store or Play Store to download, log in and experience now!
Note: Fund switching, change of premium allocation and payout method setup are subject to the then prevailing administrative rules of Sun Life Hong Kong Limited.
Understanding before investing
When it comes to investment, it’s important to understand the market well beforehand. What’s the hype regarding United States Federal Reserve’s announcement on bond purchase program adjustment all about?
Click here as Mr. John Lui, Chief Investment Strategist of Sun Life Asset Management (HK) Limited shares his point of view on this in November’s Macro Observation.
Macro Observation updates monthly (in Cantonese, with Chinese and English subtitles).
Want to delve deeper into the investment world? Read the latest MPF Average Disparity Index and Market Navigator, or visit the Asset Management page to learn more!
Note: All videos and article provided under the “Understanding before investing” section are provided by Sun Life Asset Management (HK) Limited. They shall only be used as general reference and general investment knowledge for sharing purposes, which may contain “forward-looking” information, including forecasts, estimates of yields or returns and involve risks and uncertainties.
They are not intended to provide any forms of guarantee or investment advice, and does not constitute a solicitation of an offer or offer, and shall not be regarded as the basis for any contract, to sell or to purchase any investment products. Information is provided base on sources believed to be reliable, Sun Life Asset Management (HK) Limited, its associated companies and their directors and employees (collectively “Sun Life”) gives no express or implied warranty, guarantee or represent its accuracy, effectiveness, completeness of the same.
Investment involves risk, and past performance figures shown are not indicative of future performance. Value of investment may go up or down and may become valueless. An investor may not get back the amount originally invested.
The information has not been reviewed in the light of objectives, financial circumstances or needs of an individual investor. Sun Life is not responsible for any loss or damage caused by reliance on any information or advice above, nor is responsible for the accuracy or completeness of any information or advice.
Go Green & Eat Well!
Have you signed up for our eAdvice service yet? By signing up, you can view your policy documents anytime, in addition to receiving notifications when a new notice is uploaded to your My Sun Life HK app or portal account. You will never miss any important updates.
More than that, you can enjoy a HKD50 discount on your foodpanda order or dining at over 30 specific restaurants in Hang Lung Malls if you register between 1 September and 30 September 2021*!
Click here to learn how to register for eAdvice via My Sun Life HK app or portal.
*Terms and conditions apply. Clients who register for the eAdvice service between 1 September to 30 September 2021 (both dates inclusive) will be eligible to receive a HKD50 foodpanda/Hang Lung Malls dining eCoupon. Eligible clients will be notified by SMS within two weeks after the promotion ends. Clients must still be using eAdvice service (eAdvice Option being “Yes”) at the time of receiving the eCoupo
New Functions in My Sun Life HK App & Portal For Easy Policy Management
We are constantly improving our service to provide you with a better experience. That’s why - My Sun Life HK app and portal got upgraded!
You can now view the details of your Investment-linked Assurance Schemes (“ILAS”) policies as well as the performance of Investment-linked funds under your policies via the app and portal easily. How much you have contributed, withdrawn, gained or lost are visible. On the same page, you can also find the offer/bid price, current allocation, account value and more for each Investment-linked fund under your policies. With these information easily accessible, you are no longer required to connect with your advisor or call our Client Services every time!
In addition to ILAS performance, we have added the following functions to My Sun Life HK portal. Paper form submissions are no longer needed which saves your time and effort.
- Standing Instruction: Set up an instruction to transfer policy value of one policy to another to settle renewal premium and levy.
- Policy Payout Method: Select a method to receive your policy payouts including cash coupons, bonuses or automatic withdrawal when the policy matures, as well as dividends derived from Investment-Linked Funds with dividend payout features. Methods include credit to bank account, Faster Payment System (“FPS”) or cheque. Please refer to the terms and conditions of policy payout method for details.
Please stay tuned while we are working on even more new functions. For now, try out the new functions in My Sun Life HK app and portal and enjoy the convenience of smart policy management!
Get To Know The Global Economy and Be Prepared For Future Investment
Looking back at the first half of 2021, we observed that the global supply of vaccine rendered a positive impact on global economy. Sectors that are sensitive to economic cycles such as energy and finance performed relatively well. In a long term, with the overall commodity cycle maintaining upward, investment opportunities are represented.
Watch the Macro Observation videos here as our Chief Investment Strategist, Mr. John Lui, introduces the latest news and trends in the investment world (in Cantonese, with Chinese and English subtitles).
More useful materials are also available on the same webpage for you to grow your investment knowledge, including the quarterly “Market Navigator”, which analyses and forecasts the investment market based on the performances of equities, bonds and more.
Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.
Last Chance! Enjoy Up To A 3-Month Premium Rebate With Our Latest Offers
No matter you wish to protect your family or yourself, we are always here to provide coverages that suit you the best. From now until 30 September 2021, grab the last chance to enjoy our offers!
1. Vital Client Offer (campaign code: A0176A)
Enjoy 8% premium rebate on Annualized First Year Premium (“AFYP”) of Vital upon successful application during the promotion period! This offer caps at a HKD10,000 premium rebate for the same insured and policy owner.
2. Victory Client Offer (campaign code: A0177A)
Enjoy 5% premium rebate on AFYP of Victory upon successful application during the promotion period! This offer caps at HKD10,000 premium rebate for the same insured and policy owner.
3. Vision Client Offer (campaign code: A0178A)
You may enjoy up to HKD88,000 premium rebate upon successful application of Vision! The AFYP requirements are stated in the table below:
Each client can only enjoy this premium rebate once for Eligible Vision. Application from the same policy owner, with the same insured and the same premium payment term.
Except for life protection, wealth accumulation and legacy planning, we also have you covered in terms of health protection!
Health Client Offer (campaign code: A0179A)
Enjoy up to 3-month premium rebate if you apply for the Medical Plans below in addition to the above Savings & Life Plans (Vital, Victory and Vision) during the promotion period.
- WeHealth - VHIS Certified Standard Plan
- WeHealth Plus - VHIS Certified Flexi Plan
- SunHealth Medical Care (basic plan only)
- SunHealth Medical Essential (basic plan only)
- SunHealth Medical Premier (basic plan only)
Example:
Terms and conditions apply. Please refer to the promotional leaflet for more details.
Say No To A Naked Life
Medical inflation, the risk of critical illnesses and emerging diseases… Without the protection of appropriate medical coverage nowadays, life is no different from being naked.
Our latest campaign “Say No To a Naked Life”, featuring well-known artist Kay Tse, introduces Sun Life’s All-Round Worldwide Protection* which has your health covered. For 129 years, Sun Life has been striving to provide high-quality coverage for Hong Kongers in terms of health and life. Learn more about our health products here.
Besides, try out our Cost estimator of treating major illnesses^ to explore how you can equip yourself for the medical expenditures in the event of Cancer, Diabetes, Heart Disease and Stroke.
*Applies to designated medical and critical illness plans. For details such as product features, risk disclosure and investment philosophy, please refer to the product brochure and promotional leaflet. For definitions, full terms and conditions of the coverage, exclusions and other details, please refer to a sample Policy Document. Please contact your advisor for more information.
^This tool is designed by Sun Life Hong Kong Limited (“Sun Life”) for a rough estimation of the typical cost of treating major illnesses, loss of income, cost of engaging a nurse and cost for modification of lifestyle (the “Tool”), and is intended for your general information only. The Tool is not intended to be understood as an exhaustive study of major illnesses, nor a suggestion of the likely medical expenses in any particular case. No reliance shall be placed on the information presented in the Tool.
COVID-19 Vaccination Side Effects? We Have You Covered
More people are getting COVID-19 vaccination recently. Are you planning to do the same too? We know you may have a question in mind whether such vaccination side effects are covered. No worries, we have you covered!
WeHealth and WeHealth Plus (under the Voluntary Health Insurance Schemes (“VHIS”) ) provides coverage for any medical expenses arising from COVID-19 vaccination* complications. For the coverage of VHIS, please click here to visit the “FAQs” page of VHIS Office’s website and refer to Question 15 and 16.
We have also made a special arrangement to suspend existing exclusions for “immunization, vaccination, injection or preventive medication” for COVID-19 vaccination. We accept claims made on medical expenses for COVID-19 vaccination* complications based on the benefit schedule in the medical policy. Policies covered include:
- SunHealth Medical Premier
- SunHealth Medical Essential
- SunHealth Medical Care
- Hospital Income Insurance Plan
- SunHealth Medical Fit
- Bright Superb Health
For more information, please contact your advisor. Stay safe and healthy!
*Applies to vaccination approved under Hong Kong Government’s COVID-19 Vaccination Programme only. Sun Life reserves the right to vary, suspend or cancel this special arrangement and amend the terms and conditions at any time without prior notice. In the event of any disputes, the decision of Sun Life will be final and conclusive.
Additional Cancer Treatments For Better Medical Services
Technology in medical field has been constantly improving nowadays. New treatments for different diseases have evolved, benefiting more clients. To provide you with better medical coverage, we have amended SunHealth Medical Premier and SunHealth Medical Essential.
Effective 1 April 2021, the following 3 cancer treatments have been added under Cancer Treatment Benefit:
- Hormonal therapy
- Immunotherapy
- Proton therapy
This amendment is applicable to existing and new clients of SunHealth Medical Premier and SunHealth Medical Essential(basic plan/rider). Good news is premiums of the above plans remain unchanged.
If you have any enquiries on this change, please contact your advisor or call our Client Service Hotline at (852) 2103 8928. You may also email us at hk_csd@sunlife.com, quoting “Cancer treatment addition on SunHealth Medical Premier / SunHealth Medical Essential” in the subject.
You may click the links below for the latest product brochures:
What You Should Be Aware Of Amid Inflation
Since months ago, investors have been aware of this: global inflation. Rising inflation causes impacts to global investment market for sure, in both good and bad ways. Do you know that inflation may affect bonds adversely while generally having positive impact on stocks?
Click here to watch the Macro Observation videos for April and May. Our host and Chief Investment Strategist, Mr. John Lui explains the influence of inflation on the investment market (in Cantonese, with Chinese and English subtitles).
In the same webpage, you can also find other useful references for investment, such as “Market Navigator”. In the latest edition, we give you an overview of the market by analyzing outlook of stocks, bonds, cash and more, with points to pay attention to.
Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.
Your Cost Estimation Tool For Major Illnesses
Life is always unexpected, but we are here to assist you to prepare for unfortunate events.
Try our cost estimation tool! This tool gives you an idea on how you can better prepare yourself financially in the event of health issues. It analyzes the medical expenditures on major illnesses such as Cancer, Diabetes, Heart Disease and Stroke. By answering just 3 questions, you will see the estimated costs for each disease in detail, including the cost for treatment, nursing and more. It also shows how the amount of annual premium for critical illness and medical insurance affects the coverage.
Start estimating now and plan ahead!
Disclaimer: This tool is designed by Sun Life Hong Kong Limited (“Sun Life”) for a rough estimation of the typical cost of treating major illnesses, loss of income, cost of engaging a nurse and cost for modification of lifestyle (the “Tool”), and is intended for your general information only. The Tool is not intended to be understood as an exhaustive study of major illnesses, nor a suggestion of the likely medical expenses in any particular case. No reliance shall be placed on the information presented in the Tool.
Don’t Miss Out On Your Policy Updates
Have you registered for our eAdvice service launched in February? In just a few steps, you will receive notifications and never miss any important updates about your policies. You will also contribute to achieving a paperless environment by reducing paper printing.
Here’s how easy it is to register:
- Log in to your My Sun Life HK app or portal account
- Click “Edit Profile > eAdvice Option”
- Turn on the toggle next to “eAdvice option”, then click “Next”
- Done! You will get email and push notifications when new notices are available.
After receiving notifications, you can view your policy documents electronically in My Sun Life HK app and portal anytime. Click here to view the list of available correspondences for eAdvice. For letters not on the list, we will continue to mail them to you.
Go Green with Sun Life
Small steps can make a big difference. Join us in reducing paper use by using the new eAdvice service now!
The eAdvice service allows you to receive email and push notifications when a new document is uploaded to Client Digital Platforms (My Sun Life HK app and portal). Printing of most of the physical letters will stop, but you can view notices of your policies anytime, anywhere digitally in My Sun Life HK app and portal, while saving papers and protecting the environment.
The key features and benefits of the service are:
Access documents anytime: view all policy documents via mobile phones, computers or other devices at your convenience
Receive notices instantly: read important notices as soon as they are available, and act accordingly as needed
Keep track of records: retrieve and download documents and notices issued in the last 60 months (36 months for lapsed policies)
Register now if you have not! Simply log in to your My Sun Life HK app or portal account and complete registration in just a few steps. For more details, please visit our eAdvice webpage here.
Thank you for embracing the environment with us!
Plan In Advance and Enjoy Our Limited Time Offers
As life is always full of surprises and unexpected twists, it’s never too late to start building wealth for an easier life in the future, and to protect your family.
Act now to enjoy limited time offers for our Victory and Foresight Deferred Annuity Plan, and don’t miss out on the last chance of tax deduction!
Offer 1:
From now until 31 March 2021, enjoy a premium rebate of up to 10% on Annualized First Year Premium (“AFYP”) upon successful application of Victory which meets the required AFYP.
Offer 2:
From now until 31 March 2021, get a 5% premium rebate on AFYP for successful application of Foresight Deferred Annuity Plan with the required AFYP met. Existing individual life clients who apply can enjoy an extra 3% rebate! Successful applicants will also be eligible for tax deduction*.
Terms and conditions apply. For details, please contact your advisor, or refer to the promotion leaflet of the offers.
*Please note that only qualifying annuity premiums due and paid during a year of assessment will be eligible for tax deduction for that year of assessment whereas the Premium Rebate is not eligible. Further information on tax concessions applicable to QDAP may be found at the website of the Insurance Authority (www.ia.org.hk/en). Client may also refer to the website of Inland Revenue Department (“IRD”) or contact IRD directly for any tax related enquiries.
Stay Ahead of Investment Trends
Last year, global economy was ravaged by the pandemic. Surprisingly, global investment markets have performed relatively well, rendering the rise of new age and new economic sectors. With more vaccines available worldwide and accommodative monetary policies in place, overall investment market should remain constructive.
View the January and February editions hosted by our Chief Investment Strategist, Mr. John Lui (in Cantonese, with Chinese and English subtitles) here to gain better insight of investment trends for 2021. The webpage contains other investment-related articles and resources to help you understand and navigate the investment world.
Note: All videos and article content are issued by Sun Life Asset Management (HK) Limited. They are only for general information sharing and do not constitute any investment opinions. This is neither an invitation of investment nor agreement to make any product purchases.
Additional Investment-Linked Funds with Cash Dividend Distribution Feature
To allow more investment choices to suit your needs at different stages, the addition of 5 new Investment-Linked Funds with cash dividend distribution features are available for selection for SunWish. Each of the below Investment-Linked Funds is linked to a single SFC-authorized fund:
| Fund Code | Investment-Linked Fund Name | Asset Type |
| E008 | Sun Life-Allianz Income and Growth Fund (Dist) | Mixed Asset |
| E009 | Sun Life-Allianz Global Sustainability Fund (Dist) | Global Equities |
| B013 | Sun Life-First Sentier Asian Bridge Fund (Dist) | Mixed Asset |
| B014 | Sun Life-First Sentier Asian Quality Bond Fund (Dist) | Regional Bond |
| H006 | Sun Life-Ninety One GSF Global Multi-Asset Income Fund (Dist) | Mixed Asset |
Currently, if there is any dividend income from underlying funds, such income will be reinvested back to the respective investment-linked funds and will be reflected in the unit price of corresponding investment-linked funds except for those Investment-Linked Funds designated with (Dist) in its name which the dividend (if any) received from the underlying funds will be distributed to you.
The Investment-Linked Fund designated with “(Dist)” in its name (the “Investment-Linked Fund (Dist)”) is an investment-linked fund that aims to distribute cash dividend on a regular basis. If you choose to invest in the Investment-Linked Fund (Dist), you will receive cash dividend if the Company receives such dividend from the underlying fund of the Investment-Linked Fund (Dist).
For enquiries, please refer to the latest SunWish Principal Brochure – Investment-Linked Fund Guide* and contact your advisor.
*You should read the offering documents of SunWish (including the product key facts statements) of the underlying funds, which are available from Sun Life free of charge upon request, for details of the underlying funds (including, without limitation, their investment objectives and policies, risk factors and charges).
Investment involves risks. You should not rely on this material alone. Please read the offering document of Sun Wish carefully including Product Key Facts Statement and Principal Brochure (which consists of the Product Brochure and the Investment-linked Fund Guide) for further details including risk factors.
Calculate Well For an Ideal Retirement
A great retirement should be well-planned with budget calculation.
Considering compound interest and others aspects affecting your long-term savings, MPF and investment returns, your future medical and insurance expenses as well as inflation are only some of the factors you should be aware of regarding your retirement reserve.
Are you better off with Qualifying Deferred Annuity Policy (QDAP) or Tax Deductible Voluntary Contributions (TVC) in a Mandatory Provident Fund (MPF) scheme? As both products have their own merits, investing in both could diversify your retirement reserve and balance out the risk. You might consider building up a combined portfolio according to your own needs.
Click here to find out more, and don’t forget to try our Retirement Calculator to achieve your retirement autonomy!
Dear Valued Client,
We hope you’re staying safe!
During these challenging times, we understand that you may have encountered difficulties when managing policies or submitting policy change requests. We are now making it more convenient and efficient – it can be done at home anytime!
Even if you are unable to go out, you can still keep an eye on your policies and submit requests within clicks. With My Sun Life HK app and portal, you can perform fund switching, changing premium allocation and policy value payout method and more on your own!
ePayout
Select electronic payout methods instead of cheques – saving your time!
- Faster Payment System (FPS)
- Local bank account with a licensed bank in Hong Kong
eAdvice
Receive emails when new documents are uploaded, then log in to My Sun Life HK to access your policy updates – replacing physical letters
FPS Payment
Scan the QR code on the Premium Notice to pay your premium in HKD within minutes!
Manage your policies 24/7 with My Sun Life HK
Don’t have an account yet? Register now. In just a few simple steps, details of your policies will be in your fingertips.
What else you can do with My Sun Life HK: Click here
Want to learn more? Click the links below:
How to change payout method: Click here
How eAdvice works: Click here
You can now talk to our Client Service (CS) team through the newly offered Policy Changes via Verbal Request service, if you want to apply for the below 12 types of policy changes:
Policy Services
- Change of Dividend / Coupon Fund Option
- Change of Payout Method*
- Change of Non-Forfeiture Option
- Delete Rider
- Request for Policy Memorandum
- Change Address and Contact Information
Policy Value Withdrawal & Loan
(Not applicable to Investment-Linked Assurance Scheme “ILAS” policies)
- Dividend / Coupon Fund Withdrawal*
- Policy Loan*
Change of Payment Method
- Stop Direct Debit Authorization
- Change of Debit Date in Autopay
- Set up / Terminate Standing Instruction
Others
- Reissue Payment
*The limit for payout amount is HKD50,000.
Call our CS hotline
2103 8928*
Help us identify you with some questions
Make the request
Voilà! We will process your request as soon as possible
*Mon to Fri: 9am - 6pm; Sat: 9am - 1pm; Closed on Sun & Public Holidays.
Important notes:
- Payout methods for Policy Value Withdrawal & Loan include FPS, local bank transfer and cheque. However, TT payment (Telegraphic Transfer) is excluded.
- The limit for payout amount is HKD50,000.
- The payee of all payments must be the Policy Owner.
- Verbal request is only applicable to HKID cardholder.
- Policy Changes via Verbal Request is only used for application submission. The completion of the policy changes depends on the Policy Administration Guideline which is determined by the Company from time to time.
Dear Client,
As a client of Sun Life, how do you stay up-to-date with your policies? Do you know you can have everything in control with My Sun Life HK Client Digital Platforms?
No matter you are new to My Sun Life HK or a frequent user, we would like to invite you to a new experience. Introducing the redesigned interface of My Sun Life HK - more user-friendly, more refined, and more to come!
What’s New?
Shortcut Icons & “More Services” Page
The cover page has been redesigned to include shortcut icons which direct you to all functions and information My Sun Life HK offers. We’ve also made it easy to switch languages with the language bar on top!
- Shortcut icons on the cover page for most-used functions
- “More Services” page where you can access all functions readily
- Switch languages in one-click
- Supports Simplified Chinese for our Mainland China Individual clients. We have also enhanced our backend system to enable the display of Simplified Chinese for Client name, company name & address in correspondences.
Bottom Menu Bar
One of the focuses of the new design is the Menu Bar fixed at the bottom. It allows you to access these functions easily:
- Go back to the cover page or view notifications for all policies under your name
- My Account page consolidates all benefit-related information that is well-categorized, including sum assured and total assets of your policies
- Utilize our Online Tools such as calculators and apps to better plan for your future
Latest News & Product Information
Now you can get to know what’s happening in Sun Life and our brand campaigns with the carousel banner on the cover page and the Latest News section.
Want to learn more on how our products suit your needs during different stages of life? Scroll all the way to the bottom for the Insurance section* to explore our diverse product lines and products with full coverage.
*Once logged in, the “Insurance” section is only visible to clients who have opt in for marketing communications.
Try Out The New Features Now
Click to download My Sun Life HK App, or access the web version if you are situated in Mainland China or overseas where the app may not work.
Dear Client,
As your trusted insurance partner, it's our responsibility to protect your interest and provide you with a pleasant digital policy management journey by continuously enhancing our security system.
We've upgraded our account authentication system of My Sun Life HK App & Web on 18 Jan 2024. This allows us to detect suspicious login attempts instantly, verify that it is truly you and prevent the compromise of your account. There are a few things we need you to help making this journey complete.
To continue using My Sun Life HK starting from 18 Jan 2024, you must:
1. Update My Sun Life HK App
If you are a user of the app , you will be required to update to the latest version. The old version will no longer be supported.
2. Verify your existing account
Once you've updated the app or if you visit the web version, you will be required to perform a one-time account verification and set a password. For iPhone users, you can enable biometrics sign-in afterwards.
New Sign-In Screen & Multi-Factor Authentication (MFA)
Apart from the redesigned sign-in screen, we also have an additional layer of security to prevent unauthorized sign-ins - When a suspicious sign-in is detected, you will be prompted to enter a One-Time Password (OTP) sent to your registered mobile number or email address.
Thank you for your continuous support and usage of My Sun Life HK! If you have any questions, do not hesitate to reach out to your advisor or our Client Service Team at (852) 2103 8928.