SunWell Essential Care Insurance Plan

Multi‑claim Cancer Protection Plan

Flexible cancer protection with simplified underwriting and multiple claims.

Why you should choose SunWell Essential Care

SunWell Essential Care is a participating insurance plan that offers comprehensive cancer coverage to fit your lifestyle and budget. With both protection and financial support guaranteed, you can be rest assured you’ve taken the right steps to safeguard your future. 

 Download brochure

Highlights:

Comprehensive cancer protection

Secure comprehensive protection against early stage cancer with up to 2 claims and cancer with up to 3 claims, ensuring consistent support. Our plan also includes the SunCash Support Benefit for up to 2 claims, offering essential financial assistance for incidental expenses throughout your recovery journey and alleviating financial strain.

Simplified underwriting questions focuses on cancer risks

SunWell Essential Care simplifies its underwriting questions to focus on cancer risks, allowing it to accept Clients with a variety of other health conditions such as heart attack/stroke that traditional critical illness protection plans may decline.

Flexibility tailored to you

Tailor your coverage for peace of mind with our flexible rider feature, offering personalized solutions to enhance your security.

Market-first ESG-focused cancer protection plan¹

Lead the way with our market-first ESG-focused cancer protection plan, aligning with your values while safeguarding your health.

Coverage reload benefit

The Coverage Reload Benefit automatically replenishes your coverage amount by restoring previous claims paid out for Early Stage Cancer Conditions and will pay out again upon the first claim of the Cancer Benefit, thus ensuring continuous protection against future uncertainties.

A series of premium waivers

This plan offers different premium waivers for events such as cancer or early-stage cancer diagnoses, as well as the loss of a parent or guardian, easing financial pressures during challenging times.

Client offers

Enjoy up to 4-month premium rebate for SunWell Critical Illness Series

From now to May 31, 2026

If you successfully apply for SunWell Critical Illness Series, you will be entitled up to 4-month premium rebate on AFYP!

  1. SunWell Supreme Care / SunWell Supreme Care - Baby Care
  2. SunWell Advance Care / SunWell Advanced Care - Baby Care
  3. SunWell Essential Care

The offer is subject to terms and conditions. For more details please download and refer to the promotion leaflet.

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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).

  1. The feature’s “Market-first ESG-focused cancer protection plan” statement is based on a comparison with other critical illness protection plans for new Composite and Long-Term Businesses as identified in the Register of Authorized Insurers by Insurance Authority as of April 25, 2024.

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

Download List of designated hospitals in mainland China (Available in Chinese only)

View bonus philosophy

Additional rider benefits:

Accident Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1.

In the unfortunate event due to an accident that the insured, who is the person protected under the Basic Plan, passes away, a lump-sum payment on top of the Basic Plan coverage will be paid to the beneficiaries. The amount of Weekly Indemnity Benefit and Accidental Injury and Total Disability Benefit will be doubled if the insured is a passenger in a public transport conveyance over an established land route or in an elevator for passenger (elevators in mines and construction sites are excluded) when an accident occurs, or in a burning theatre, hotel or other public building before a fire starts.

If no claims are paid for 12 months before renewal, the amount of Accidental Injury and Total Disability Benefit will be topped up by 10%, accumulate to a maximum of 50% of the original Sum Assured.

Remark:

  1. This rider benefit can only be attached to designated basic plans (“Basic Plans”) . Please contact your Advisor for details.

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, key product risk and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Accident Benefit

Accidental Death & Disability Plus Benefit is an optional rider benefit that you can add to your Sun Life insurance plan1. This rider benefit gives you a lump-sum payment in the event of total disability, dismemberment or loss of sight, hearing or speech of the insured, who is the person protected under the Basic Plan. Also, in the unfortunate event due to accident that the insured passes away, a lump-sum payment of 100% of the sum assured will be paid to the beneficiaries to support and help them manage their financial needs. 

Remark:

  1. This rider benefit can only be attached to designated basic plans (“Basic Plans”). Please contact your Advisor for details.

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, key product risk and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Accidental Death & Disability Plus Benefit

For more information, please visit Hospital Income Insurance Plan 

One Year Term Benefit/ Five Year Term Benefit is an optional rider benefit offering essential life protection at an affordable premium. It is guaranteed to be renewable up to age 80, giving you peace of mind. You have the option of converting all or part of the Sum Assured of the One Year Term Benefit/ Five Year Term Benefit into a whole-life basic plan with the same or lower Sum Assured to enhance your flexibility to allocate your resources when other obligations arise.

In an unfortunate event that the insured, who is the person, covered under this policy, passes away; a Death Benefit will be paid to the beneficiaries in a lump sum to help them manage their financial needs. Once the Death Benefit has been paid out, the policy will be terminated.

Remark:

  1. These rider benefits can only be attached to designated basic plans. Please contact your Advisor for details.

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, key product risk and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of One Year Term Benefit/Five Year Term Benefit

For more information, please visit SunHealth Medical Care

Tender Care Benefit is an optional rider benefit of Sun Life insurance plan1.

This rider benefit reimburses medical expenses and gives you a special allowance if the insured, who is the child protected under the Basic Plan, is injured in an accident.

We will pay out a cash lump-sum upon the death or loss of a limb or sight of the insured due to an accident. The amount of Accidental Injury Benefit will be doubled if the insured is a passenger in a school bus or other public transport conveyance when an accident happens.

Remark:

  1. This rider benefit can only be attached to designated basic plans (“Basic Plans”) . Please contact your Advisor for details.

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, key product risk and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Tender Care Benefit

Total Disability Benefit is optional rider benefit that you can add to your Sun Life insurance plan1.

With Total Disability Benefit, the future premium of the Basic Plan and all eligible rider benefits2 attached will be waived3 in the unfortunate event that the insured, who is the person protected under Total Disability Benefit, becomes Totally Disabled4 before the age of 60. The premium waiver will continue as long as the insured remains Totally Disabled. That way, you can continue to have protection and benefits under your Basic Plan without having to pay the premium while you’re unable to work.

Remarks:

  1. These rider benefit can only be attached to designated basic plans (“Basic Plans”). Please contact your Advisor for details.
  2. Please contact your Advisor for eligible rider benefits.
  3. If the insured recovers from Total Disability, the premium waiver will end.
  4. Totally Disabled means that the insured is (i) continuously disabled for a period of no less than 6 consecutive months; (ii) continuously unable to carry on his/her own occupation in the first 2 years of disability and to carry on any occupation thereafter (for those who have no regular occupation, it means complete inability to carry on any occupation); and (iii) under the regular care and attendance of a doctor. Total and irrecoverable loss of sight in both eyes or loss of two limbs is automatically deemed as Totally Disabled. Please refer to the Policy Document for details.

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, key product risk and exclusions. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

Download product leaflet of Total Disability Benefit