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 5-month premium rebate for SunWell Advance Care and SunWell Supreme Care

From now to December 31, 2024

If you successfully apply for SunWell Advance Care and SunWell Supreme Care, you will be entitled up to 5-month premium rebate on AFYP!

  1.  SunWell Advance Care / SunWell Advanced Care – Baby Care
  2.  SunWell Supreme Care / SunWell Supreme 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.

 Learn More

  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

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