Group Health Benefits

Some of the key features of our tailor-made plans are:

• Client-oriented and tailor-made plans that suit the needs of companies of different sizes, from SME to multinational corporations.
• Comprehensive hospitalization and out-patient covers
• Simple application procedure with no proof of health nor underwriting is required under most tailor-made plan settings
• Easy administration - claims will be paid directly to the employees' designated bank account. Before policy renewal, a detailed claims report will be provided for employers' information
• Injuries arising from terrorism are covered
• Complimentary Sun Life Financial Privilege Care Card
• Quality medical services provided designated medical networks and physicians. Sun Life only partners with reputable medical network and medical services providers with consistent quality reviews
• All benefits can be extended to your employee's spouse and children at an affordable cost
• 24-hour worldwide cover

Some of the benefits of our tailor-made plan:

• Hospitalization and Surgical Expenses Benefit, including room and board, surgical fees and miscellaneous hospitalization expenses
• Optional Supplementary Major Medical Benefit
• Out-patient Clinical Expenses Benefit, including doctor's consultation fees, physiotherapy and chiropractic treatment as well as diagnostic X-ray and laboratory tests, which are referred by a general practitioner
• Optional Maternity Benefit
• Optional Dental Benefit

The claim reimbursement for Group Insurance Policy with Clinical Expenses Benefit, Hospitalization and Surgical Benefit and Major Medical Benefit may be subject to reimbursement percentage and deductible. Please refer to the Claims Illustration which demonstrates these features.

Please refer to the Policy Contract and Schedule of Benefits for the coverage details.

Colonoscopy and Gastroscopy Services at Day Surgery Centres

(Applicable to insured employees and their insured dependents (the “Insured”) under Sun Life’s group health insurance tailor-made plans, and SunMaster Group Medical Package Plan)

Sun Life Hong Kong Limited ("Sun Life") has teamed up with UMP Healthcare Group and its healthcare network ("Provider") to provide a convenient process of having colonoscopy and gastroscopy services at day surgery centres. Only a few simple steps, the Insured can receive professional medical services without any pre-authorization required.

For details, please refer to the Guide to Colonoscopy and Gastroscopy Services at Day Surgery Centres.

Worldwide Emergency Service

All insured employees of our group health and group life plans can enjoy coverage when they travel overseas through the 24-hours Worldwide Emergency Assistance Benefit. This comprehensive coverage – provided free of charge for all insured employees of our group health and life plans - includes:

• medical evacuation and repatriation home after treatment
• emergency transfer to a hospital
• pre-paid deposit of up to HK$40,000 for hospital admission (applicable to group health plans only)
• telephone medical advice, evaluation and referral appointment
• transportation of essential medicine and medical equipment
• medical monitoring
• repatriation of mortal remains/ashes
• compassionate visit by a family member or designated person
• return of any unattended dependent children to their home country of residence

All services under the Worldwide Emergency Assistance Benefit are provided by Inter Partner Assistance Hong Kong Limited and are subject to its terms and conditions. This benefit is not guaranteed renewable. Please refer to the Endorsement for more details.

SwissLife Network

The Swiss Life Network is an international association of 50 leading local life insurance companies, known as Network Partners. Operating in over 60 countries worldwide, the Swiss Life Network and its Partners provide international employee benefit solutions for multinational corporations and their subsidiaries in the areas of pensions, risk and long-term savings schemes.
 

Sun Life is the representative insurer and benefits provider of the Swiss Life network. Sun Life already provides employees benefits to a large pool of multinational clients and their employees.

• Quote your Group Medical Policy Number in all your correspondence to us.
• The employee's Hong Kong Identity Card Number will be used as the certificate/reference number of the member/insured under the Group Medical Policy.
• Enroll an employee / dependent (for SunMaster Group Medical Package only) within thirty (30) days upon he or she becomes eligible to join the Group Medical Insurance Plan.
• Advise us any changes of your employee / dependent (for SunMaster Group Medical Package only) records, using appropriate administration form, on a regular basis (i.e. weekly, bi-weekly or monthly).
• Verify all the invoices and statements and advise us at once whenever discrepancies are found.
• Send us the premium due within fourteen (14) days upon receipt of our invoice, claim payments may be delayed or suspended if premium due is not settled promptly.
• Submit all the claims to us, using the appropriate claim forms together with the original receipts, through your Personnel Department or the authorized personnel, on a regular basis (i.e. weekly, bi-weekly or monthly).
• Collect the shortfall payment within fourteen (14) days upon receipt of the shortfall reminder letter.