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Thank you for your interest in SunCover Free Personal Accident Protection Plan! 

SunCover Free Personal Accident Protection Plan (Limited Offer1) (“Plan”) not only provides coverage for taking public transportation and severe heat stroke, but also provides compassionate compensation for death as the appropriate financial support for your family when needed.

You can apply this Plan with your advisor and enjoy up to one year of free personal accident protection2  once it is issued. Please contact your advisor for application directly or click the button below to leave your contact information for more details on the Plan and its application procedures, our advisors will connect and arrange the application with you.

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Highlights: 

  1. Promotion Period: June 11, 2024 –December 31, 2024
  2. Up to one year of free personal accident protection
  3. Benefit coverage:
The insured3,4 can enjoy the following benefits for free during the benefit period:
Benefit coverage
 		 Benefit amount (HKD) Oversea benefit amount (HKD)

Death And Disability Benefit Due To Public Transport Accident 5,6		 Air Carrier

300,000

600,000
Water Carrier

200,000

400,000
Land Carrier

200,000

400,000

Intensive Care Unit Benefit Due To Severe Heat Stroke7

20,000

 Not Applicable

Compassionate Death Benefit 8

5,000

 Not Applicable

  1. The availability of this Plan is limited. Sun Life Hong Kong Limited (“Sun Life HK”, “we” or “us”) reserves the right to withdraw the offer of this Plan at any time without prior notice. At any time during the approval process of your application, Sun Life HK may withdraw the offer of this Plan without prior notice.
  2. To enjoy this Plan, applicants must submit the application for the Plan through Sun Life HK advisors via eApplication from June 11, 2024 to December 31, 2024 (both days inclusive) (“Promotion Period”) to Sun Life HK and such application must be issued by Sun Life HK on or before January 31, 2025. Sun Life HK reserves the right to vary, suspend or cancel the application of this Plan and amend the terms and conditions of the Plan at any time without prior notice. In the event of any disputes, the decision of Sun Life HK will be final and conclusive.
  3. The insured’s age must be between 15 days and 65 years old (last birthday) on the issue date. If the insured is under the age of 18 at the time of submitting the application, the application must be submitted by the insured’s parents or guardians who will become the policy owner. The insured must be a Hong Kong Identity Card holder or holding a Hong Kong Birth Certificate issued to the insured (as applicable). A copy of the relevant identification document must be certified by Sun Life HK advisors as a true copy and submit to Sun Life HK upon the application of the Plan. This Plan is not applicable for the insureds who are non-Hong Kong residents (i.e. persons who are not holders of Hong Kong Birth Certificate / Hong Kong Identity Card / Hong Kong Permanent Identity Card).
  4. The insured shall not at any time be covered by more than one Plan. If there is more than one such policy issued by us on the life of the insured, we shall have the right in our sole and absolute discretion to treat the insured as being covered only under the first policy issued and all the other policy(ies) shall be deemed null and void as from the issue date of the respective policy(ies).   
  5. If the insured, as a fare-paying passenger while travelling in a Common Carrier, dies due to an Accidental Death or sustains an Accidental Injury and, as a result of the Accidental Injury, is Diagnosed as suffering from Total Permanent Disability, Sun Life will pay the Beneficiary a Specified Sum as Death And Disability Benefit Due To Public Transport Accident, provided Sun Life HK receive evidence satisfactory to us at our sole discretion. 
  6. The net payments under the Death And Disability Benefit Due To Public Transport Accident will be doubled if the Accidental Death occurs or Total Permanent Disability is sustained while the insured is a fare-paying passenger while travelling in a Common Carrier in Overseas(which means any place outside the Hong Kong Special Administrative Region of the People's Republic of China).
  7. If the insured is Diagnosed Severe Heat Stroke by a Doctor in writing and as a result of within 24 hours after the Diagnosis Confined in an intensive care unit of a Hospital, Sun Life HK will pay the Intensive Care Unit Benefit Due To Severe Heat Stroke, provided that Sun Life HK receives evidence satisfactory to Sun Life at our sole discretion.
  8. If the insured dies provided that the death of the insured is not caused by (i) any Accidental Death which occurs while travelling in a Common Carrier as a fare-paying passenger; or (ii) any self-inflicted injury, including suicide or any attempt to do so while sane or insane, Sun Life HK will pay the Compassionate Death Benefit provided that Sun Life HK receives evidence satisfactory to Sun Life HK at our sole discretion. 

 

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

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