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SunCover Free Personal Accident Protection Plan

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

SunCover Free Personal Accident Protection Plan   (Limited Offer) ("Plan") not only provides coverage for taking public transportation and severe heat stroke, but also provides a one-off compensation for the death caused by participation in Designated Sport Event2 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 protection3 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: March 17, 2023 – June 22, 2023

  2. Up to one year of free personal accident protection

  3. Benefit coverage:

  • The insured 4, 5 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 6,  7 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 Stroke8 20,000 Not Applicable
Compassionate Death Benefit 9 5,000

 

  • If the insured is the participant of Designated Sport Event, he/she can enjoy the following additional benefits as well:
Benefit coverage Benefit amount (HKD)
Sport Sudden Death Benefit 10 100,000
Sport Accidental Death Benefit 11 100,000

  1. The availability of this Plan is limited. Sun Life Hong Kong Limited (“Sun Life”) 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 may withdraw the offer of this Plan without prior notice.
  2. Designated Sport Event means each sport event as specified by us from time to time, in which the insured is participating, including the 2023 Sun Life Stanley International Dragon Boat Championships.
  3. To enjoy the offer, applicants must submit the application for the Plan through Sun Life advisors via eApplication from March 17, 2023 to June 22, 2023 (both days inclusive) (“Promotion Period”) to Sun Life and such application must be issued by Sun Life on or before June 30, 2023. Sun Life 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 will be final and conclusive.
  4. 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 advisors as a true copy and submit to Sun Life 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).
  5. 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).  
  6. 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 receive evidence satisfactory to us at our sole discretion.
  7. 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).
  8. 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 will pay the Intensive Care Unit Benefit Due To Severe Heat Stroke, provided that Sun Life receives evidence satisfactory to Sun Life at our sole discretion.
  9. If the insured dies provided that the death of the insured is not caused by (i) Sudden Death during the Designated Sport Event; (ii) any Accidental Death which occurs while participating in the Designated Sport Event; (iii) any Accidental Death which occurs while travelling in a Common Carrier as a fare-paying passenger; or (iv) any self-inflicted injury, including suicide or any attempt to do so while sane or insane, Sun Life will pay the Compassionate Death Benefit provided that Sun Life receives evidence satisfactory to Sun Life at our sole discretion.
  10. If the insured dies as a participant of Designated Sport Event due to Sudden Death during Designated Sport Event, Sun Life will pay the Sport Sudden Death Benefit of this Plan subject to below conditions:
    a.       A legal document from a judicial authority is required for the purpose of determination of Sudden Death and shall prevail;
    b.       Such legal document must identify and state the primary cause of death specifically as “sudden” in nature; and be free of any antecedent and/or contributing causes; and
    c.        In the event that the legal document does not state the cause of death as being “sudden” , for the purpose of this benefit, Sun Life will consider the death to have been sudden if the stated primary cause of death is exclusively any one of the following conditions: stroke following vascular rupture or cerebral thrombosis without a history of causation, a myocardial infarction with no causative antecedents, acute pancreatitis, infectious or toxic, non-alcoholic, with no causative antecedents, aortic dissection, pulmonary embolism, fulminant viral hepatitis, acute infectious peritonitis, acute infectious myocarditis, infectious encephalitis, i.e. an acute infectious disease that causes brain infection or infectious meningitis, i.e. an acute infectious disease that causes meningeal infection.
  11. If the insured dies as a participant of Designated Sport Event due to Accidental Death caused by an Accident occurring during Designated Sport Event, Sun Life will pay the Sport Accidental Death Benefit of this Plan, provided Sun Life receives evidence satisfactory to Sun Life 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 and full terms and conditions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

 

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