AdvicePro (Face-to-face second medical opinion service)

1. The Value-added Services are provided by HealthMutual Group Limited ("HMG"). The Value-added Services do not form part of the contractual benefits of the insurance policy issued by Sun Life Hong Kong Limited ("Sun Life HK"). Sun Life HK is not the service provider of any of the Value-added Services and we do not guarantee the end results of your use of the Value-added Services. We make no representation, warranty or undertaking as to the quality and availability of the Value-added Services and shall not be responsible for any act, negligence or failure to act on the part of HMG. Sun Life HK 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 Value-added Services provided by HMG (no matter what and how such loss or damage is caused).
2. An Eligible Medical Condition refers to the covered medical conditions under this service, which include any medical conditions except the following:

(i)         It is not the first diagnosis of the medical condition of the insured;

(ii)        The insured has not been evaluated by a registered medical practitioner for the medical condition within the last 12 calendar months;

(iii)      If the insured has developed an acute or life-threatening condition and should seek immediate medical assistance from the registered medical practitioner treating them, rather than delaying rescue while waiting for the arrival of this service; or

(iv)      The medical condition which requires physical evaluation of the insured.

3. The list of network hospitals and medical centers, and the procedures for medical consultation under AdvicePro (Face-to-face second medical opinion service) may be changed from time to time by HMG without prior notice. For the full list of medical centers, please contact HMG at (852) 3002 0816 or China toll free hotline 400 616 0151.

4. For the insured who resides in Mainland China but is unable to travel to Hong Kong or the insured who resides in Hong Kong but is unable to visit the designated clinics, a remote consultation could be arranged subject to HMG’s approval and in compliance with the Hong Kong and Mainland China medical practices and regulatory requirements.

5. If you are holding Critical Illnesses Plans, this benefit will terminate 1 year from the date Sun Life HK has approved the claim for the benefits mentioned above, and the insured has selected to use this benefit in respect of the above claim.