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SunCover Free Personal Accident Protection Plan

Short-term Accident Insurance

One year of free personal accident cover, protecting you on the go

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: January 1, 2025 – May 31, 2026
  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 January 1, 2025 to May 31, 2026 (both days inclusive) (“Promotion Period”) to Sun Life HK and such application must be issued by Sun Life HK on or before April 30, 2026. 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.

 

offer

Catch the limited time offer for HK$100 Starbucks e-voucher

By Apr 30, 2026

  1. Meet with one of our appointed advisors after submitting the enquiry form below and
  2. Complete the eFNA

You will have the chance to receive a HK$100 Starbucks e-voucher!

Meet up now

*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.

  1. The financial advisors and existing clients of Sun Life Hong Kong Limited (“Sun Life”) are not eligible.
  2. Participants need to complete all the following steps in order to participate (“Eligible Participants”),
    1. fill in the form on Sun Life website; and
    2. meet with the designated advisor and complete the eFNA.
  3. 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.
  4. Each mobile phone number and email address can only be submitted once. Any repeated submission will be considered invalid.
  5. 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. 
    1. The redemption and use of the Gifts shall be subject to the terms and conditions of the Supplier 6.
    2. 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.
    3. 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.
    4. 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.
    5. Gifts will be given out on a first come, first served basis. Eligible Participant can be entitled once only.
    6. 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.
  6. 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 .
  7. 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.
  8. 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.
  9. 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.
  10. Sun Life Hong Kong Limited is incorporated in Bermuda with limited liability.
  11. 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.
  12. 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).

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