- The feature’s “First-in-market” statement is based on a comparison with other personal accident insurance products for new Composite and Long-Term Businesses as identified in the Register of Authorized Insurers by Insurance Authority as of November 1, 2024.
Life is full of possibilities, but sometimes the unexpected happens. Stand-by-you is an accident protection plan that offers a wide variety of coverage and support with 4 levels of protection. By offering a wide spectrum of benefits that range from robust support for recovery to crucial financial assistance in the event of an accident, Stand-by-you empowers you to embrace life fully, knowing you're comprehensively protected against future’s unexpected turns.
Highlights
[First-in-market] 1 Recovery Treatment Subsidy
If recovery treatments such as physiotherapy, chiropractic, bone-setting, and acupuncture are required after an accident, the Recovery Treatment Subsidy can cover the remaining expenses up to a certain limit for non-surgery related recovery treatments.
Accidental Medical Expenses Benefit
Receive reimbursement for a wide range of accident-related medical expenses incurred within 365 days of an accident, providing you extra financial support for the unexpected events.
Continuous protection with tailored benefits for different stages of life
Tailored accident protection for different life stages, including three phases: childhood, adulthood, and senior years. This plan automatically transitions to the next life stage as you age to ensure continuous protection, providing you with the coverage you need at every step of your life journey.
4 levels of protection options
This plan provides 4 levels of coverage, allowing you to select the level of protection that best suits your specific requirements and budget.
Limited Time Offers:
Enjoy up to 25% premium rebate for Stand-by-you
From now to May 31, 2026
If you successfully apply for Stand-by-you, you will be entitled to up to 25% premium rebate on AFYP!
The offer is subject to terms and conditions. Details please download and refer to the promotion leaflet.
The above information is a product summary only, please contact your Advisor for details. Please refer to the product brochure and sample Policy Document for details including definitions and full terms and conditions including product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.
Catch the limited time offer for HK$100 Starbucks e-voucher
By Apr 30, 2026
- Meet with one of our appointed advisors after submitting the enquiry form below and
- Complete the eFNA
You will have the chance to receive a HK$100 Starbucks e-voucher!
*Offer is subject to terms and conditions. First come, first served basis is applied.
The following terms and conditions apply to the offers (“Offers”) from January 1, 2026 to April 30, 2026, both days inclusive (“Promotion Period”). By participating in the Offers, the participants understand and expressly agree to be bound by these terms and conditions. The gourmet voucher is only available during the Promotion Period stated above. Participation outside the Promotion Period is not eligible.
- The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.
- Participants need to complete all the following steps in order to participate (“Eligible Participants”),
- fill in the form on Sun Life website; and
- meet with the designated advisor and complete the eFNA.
- The submission time and status (successful or otherwise) will be based on the records kept by Sun Life . This offer will close after the Promotion Period.
- Each mobile phone number and email address can only be submitted once. Any repeated submission will be considered invalid.
- The gourmet voucher is provided by On-us Group Holdings Ltd.(“Supplier”); Sun Life is not the supplier of the gourmet voucher (“Gifts”) and shall assume no responsibility and liability in respect of the Gifts. Any enquiry or complaint for the quality related to the redemption and use of the Gifts should be directed to the service provider. The Supplier is solely responsible for all goods and services offered to Eligible Participants. Any disputes arising from the Gifts shall be resolved by the Eligible Participants and the Supplier directly. In respect of the Gifts and their related products and services, no warranty is expressed or implied. Sun Life specifically disclaims the implied warranties of merchantability and fitness for a particular purpose.
- The redemption and use of the Gifts shall be subject to the terms and conditions of the Supplier 6.
- Sun Life will send an SMS or email to the mobile phone number or email address provided by the Eligible Participant for Gift redemption within one month after the Eligible Participant has completed all steps in Clause 2 above. There will be a hyperlink in the SMS or email and by clicking such hyperlink, Eligible Participant will be directed to a webpage maintained by On-us Group Holding Ltd to get the redemption code on the webpage. Eligible Participants shall follow the procedures stated on the webpage and redeem the Gifts from the Supplier before the expiry date as stated on the webpage.
- Sun Life is not responsible for verifying the mobile phone number submitted by Eligible Participants for participating in the Campaign. Should there be any mis-delivery of SMS or email notification resulting from inaccurate / incorrect information submitted by the Eligible Participants, Sun Life will not re-issue the hyperlink.
- No transfer, assignment, cash redemption or substitution of Gifts by participants is permitted. Sun Life, may at its sole discretion, reserve the right to substitute the Gifts (or part of the Gifts) with an alternative Gift with the equal monetary value and/or specification.
- Gifts will be given out on a first come, first served basis. Eligible Participant can be entitled once only.
- Eligible Participants will be contacted by email or SMS for gourmet voucher redemption within one month after participation upon the completion of all aforementioned steps.
- The redemption and use of the Gifts shall be subject to the terms and conditions of the voucher / service provider. In the event of repeated or inappropriate use of the Gifts by the Client during Promotion Period, Sun Life reserves the right to cancel the Gift without any prior notice .
- If the data provided by Eligible Participant is found to be incomplete, untrue, fraudulent, inconsistent, falsified, illegal, deceptive, improper or there is any abusive usage of the Gifts or any violation of terms and conditions of the Gifts or integrity for obtaining this voucher, Sun Life reserves the right to cancel the Gift without any prior notice.
- If for any reason the Offers are not capable of running as planned, due to an event of force majeure or any other cause outside Sun Life’s reasonable control, Sun Life reserves the right, at its sole discretion, to cancel, terminate, modify, or suspend the Offers or relevant events without prior notice.
- Sun Life reserves the right to amend, suspend or cancel the Coupons and amend these terms and conditions at any time without prior notice. In the event of disputes on the Gifts, the decision of Sun Life shall be final and conclusive.
- Sun Life Hong Kong Limited is incorporated in Bermuda with limited liability.
- These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong. Any dispute arising under these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Hong Kong.
- A person who is not a party to these terms and conditions may not enforce any of their provisions under the Contracts (Rights of Third Parties) Ordinance (Cap.623 of the Laws of Hong Kong).