Skip to sign in Skip to main content Skip to footer

SunHealth Medical Essential is a comprehensive medical plan offering you full reimbursement for hospitalization and surgical expenses1 in a hospital Semi-Private Room2 in Asia3. You gain access to medical assistance through our high-quality medical network in Asia, with the option of having your medical bills settled for you through our cashless arrangement4. That way, you enjoy the benefits of quality treatment without any stress.

SunHealth Medical Essential is available as basic plan or rider benefit attached to designated basic plan(s). 

Highlights:

  1. Full hospitalization and surgical expenses coverage1 in a Semi-Private Room up to HKD10 million/USD1.25 million per year with no limit on confinement hours
  2. Guaranteed renewal to age 1005 regardless of any change in your health condition and easy application process
  3. Cashless arrangement4 during hospitalization to focus on getting your health back
  4. Extensive network of hospitals and clinics with Value-added Services6 for ultimate convenience
  5. 4 different Annual Deductible options
  6. Supporting you with Cover You More Benefit and CompanionCare Benefit if unfortunately diagnosed with a designated critical illness7

  1. These benefits are subject to an Annual Deductible, an Annual Limit, and a Lifetime Limit. Please refer to the Policy Document and Schedule of Benefits for details.
  2. Semi-Private Room means a single or double occupancy room with shared bathroom in a hospital.
  3. Asia means Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam.
  4. Pre-approval is required for this arrangement. Approval for this benefit is subject to the terms and conditions of the relevant policy provisions and the acceptance of the Letter of Guarantee (LoG) by the designated hospitals. The giving of the LoG or subsequent LoG from Sun Life Hong Kong Limited (“Sun Life”) or our designated medical service providers shall not be deemed as admission of our liability to pay and/or reimburse the policy owner under the policy or a waiver of any breach of the terms and conditions of the policy. You may need to settle your deductible and the shortfall of your medical bill. Please refer to the Policyholder User Guide for pre-approval procedures.
  5. The renewal of this policy is guaranteed provided this plan is continually offered by Sun Life.
  6. The Value-added Services are provided by third-party service provider and are not guaranteed to be renewable. Please refer to Quick Guide to Sun Life Value-added Services for more details. Sun Life are not responsible for any act, negligence or failure to act on the part of the designated third-party service provider. Sun Life will not be liable for any loss or damage, costs or other expenses whatsoever and howsoever, directly or indirectly, caused by, arising from or in connection with the services.
  7. Please refer to the Policy Document regarding definitions of designated critical illnesses.

The above information is a product summary only, please contact your Advisor for details. Please refer to the respective product brochure 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.

Download brochure

Download List of Network Hospitals with Cashless arrangement

Download List of Mainland China VIP Hospital Network


24-Hour Service Hotline for Value-added Services: (852) 3002 0816

Worldwide Emergency Assistance Hotline: (852) 2862 0134

China Toll Free No.: 400 616 0151

Get a Quote:

I am years old
Quote Result
Annual Deductible:
HKD0
HKDXXX / annual
Deductible free policy
Full hospitalization and surgical expenses coverage
Up to HKD10M annual limit
Talk to Us
Annual Deductible: HKD20,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD20,000 onwards
Up to HKD10M annual limit
Talk to Us
Annual Deductible: HKD50,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD50,000 onwards
Up to HKD10M annual limit
Talk to Us
Annual Deductible: HKD80,000
HKDXXX / annual
Deductible policy
Providing reimbursement from HKD80,000 onwards
Up to HKD10M annual limit
Talk to Us
Remark:
The above information is a product summary only, and the indicated premium is for illustration purpose only, please contact your Advisor for details. Please refer to a sample Policy Document, which will be provided upon request, 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.

Contact an advisor for a meeting today!

Items marked with "*" are required fields.

Mr.
Mrs.
Ms.

I have read and understood the Personal Information Collection Statement (PICS)

[Offer] Leave your contact and get a chance for HK$100 voucher!*

*Terms and conditions apply. Click here to learn more. 

Talk to our advisor

VHIS (eligible to apply for tax deduction)

WeHealth Plus [Premium as low as $149/month]

Free Quote now

[Cancer treatment] How does it cost in Hong Kong?

Find out now

WeHealth Prestige

Full Cover for Major Eligible Medical Expenses

Get more bright ideas

Parenting

Getting married

      

Asia's Best Brand

The consecutive winner of "Life Insurer of the Year" scoops 5-Stars across all product categories

About the Awards