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Cashless Arrangement Service

Cashless Arrangement Service1,2,3

Once the cashless arrangement is approved prior to your hospital admission or day case surgery, all eligible medical expenses incurred during your hospital stay or day case surgery will be settled on your behalf - allowing you to focus on recovery without having to worry about making claims upon discharge or performed day case surgery.

Designated client should be insured under any of the following plans:

Cashless Arrangement Service ELIGIBLE PLANS
Cashless Services for Designated Day Case Surgery

For day case surgery access through HMG Network in Hong Kong:

1.    Gastroscopy with/without Polypectomy

2.    Colonoscopy with/without Polypectomy

3.    Cataract Surgery (Monofocal Lens)

Voluntary Health Insurance Scheme

  • WeHealth Preferred
  • WeHealth Prestige
  • WeHealth
  • WeHealth Plus    
     

Medical Plans

  • SunHealth Medical Essential
  • SunHealth Medical Premier
  • BRIGHT Superb Health
  • SunHealth Medical Care
  • SunHealth Medical Fit
Cashless Hospitalization Services

For any hospitalization in Hong Kong and Macau

Voluntary Health Insurance Scheme

  • WeHealth Preferred
  • WeHealth Prestige
     

Medical Plans

  • SunHealth Medical Essential
  • SunHealth Medical Premier
  • BRIGHT Superb Health
For any hospitalization access through HMG Network in Mainland China

Voluntary Health Insurance Scheme

  • WeHealth Preferred
  • WeHealth Prestige
  • WeHealth4
  • WeHealth Plus4
     

Medical Plans

  • SunHealth Medical Essential
  • SunHealth Medical Premier
  • BRIGHT Superb Health
  • SunHealth Medical Care4
  • SunHealth Medical Fit4
For any hospitalization in Global area, except Hong Kong, Mainland China and Macau

Voluntary Health Insurance Scheme

  • WeHealth Preferred
  • WeHealth Prestige
     

Medical Plans

  • SunHealth Medical Essential
  • SunHealth Medical Premier
  • BRIGHT Superb Health

Step 1:  Contact us5

  • Call HMG 24-hour hotline at (852) 8199 1119 and provide the required information:

             o   Your personal information for identification

             o   Your policy number and mobile number

             o   Your preferred network hospital or specialist (if any)

  •  HMG will inform you the turnaround time of booking and arrange the appointment

Step 2: : Get pre-approval

Complete and email the Hospitalization Pre-Approval Form to sunlife_pa@hmg.com.hk so that we can prepare your Letter of Guarantee. You will be informed of the status of your letter once our assessment is complete.

Step 3: Admission to the hospital or clinic

Present your personal identification document upon admission to the hospital or clinic.

Step 4: Discharge

In general, you are not required to pay any extra if the cost is within the approved credit amount. And there is no need to file a claim upon discharge or the day case surgery.

Should your medical bill contain any deposits, expenses or services that are not approved nor mentioned in your Letter of Guarantee, you may need to settle the deductible or shortfall upon discharge before making a subsequent claim.

 

  1. The Value-added Services are provided by a third-party company, HealthMutual Group Limited ("HMG") and are not guaranteed to be renewable. Sun Life are not responsible for any act, negligence or failure to act on the part of the designated third-party company or 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.
  2. The insured is entitled for the cashless hospitalization and cashless day case surgery after 180 calendar days’ waiting period from the Policy effective date or the date of reinstatement, whichever is the later. You may be required to settle the deductible and/or shortfall in your medical bill (if any).
  3. This service is subject to approval, and such approval is subject to the relevant terms and conditions and the acceptance of the Letter of Guarantee (“LoG”) by the designated hospitals. The giving of the LoG or subsequent LoG from 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.
  4. We facilitate the cashless arrangement of hospital deposit fees for maximum amount of RMB40,000 only, and all other hospitalization fees and the deposit fee shall be settled by the insured with the hospital upon discharge.
  5. Cashless arrangement application form must be sent to HMG at least 4 days prior to the hospitalization or date of surgery.

These services are subject to terms and conditions. For details, please refer to the services leaflet.

Download services leaflet

Download List of Network Hospitals with Cashless arrangement

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