SunHealth Medical Care - Life Insurance, Investments ... · health, you can focus on pursuing your lifestyle goals and dreams. However, as the medical expenses ... insurance. With

Life Insurance - Medical Protection

Sun Life Hong Kong Limited(Incorporated in Bermuda with limited liability)

SunHealthMedical Care

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Wouldn’t it be great if

you could be protected by comprehensive medical plan with peace of mindStaying healthy is vital for a brighter life. With good health, you can focus on pursuing your lifestyle goals and dreams. However, as the medical expenses continue to rise, if you become sick or injured in an accident, do you have sufficient savings to enable you to receive the right medical treatment as well as maintaining your quality of living?

• Medical expenses are increasing by 9% or more each year.1

• Cancer makes up 61% of critical illness claims for Sun Life Hong Kong2, and usually requires intensive medical treatments.

This is where Sun Life steps in – your trusted partner for life’s journey and achieving life’s dreams. SunHealth Medical Care provides comprehensive medical cover to ease your financial worries when you are on the recovery path.

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Remarks:1. Source: Towerswatson.com – Global average medical trend rates by country: 2015-2017, 2017

Global Medical Trends Survey Report.2. Source: Sun Life Hong Kong Limited – Claim statistics of critical illness in 2016.

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How can SunHealth Medical Care help you?SunHealth Medical Care is a comprehensive medical plan from which you can choose benefits to best suit your protection needs.

Key Features

Day-surgery arrangement at your convenience3. Extra peace of mind4.

Comprehensive coverage1. Discount and loyalty bonuses2. $

SunHealth Medical Care

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SunHealth Medical Care offers a range of hospitalization and surgical benefits with generous limits including cancer and kidney dialysis treatments, consultation before and after surgery as well as chiropractic, acupuncture and physiotherapy treatments. By adding optional coverage, you can enjoy a further increase in benefit limits in general or to meet the specific needs of mothers-to-be3. As we get older, our need for healthcare grows but it also becomes harder to obtain insurance. With SunHealth Medical Care, you can purchase additional insurance for the same insured, who is the person protected under the policy, regardless of his or her health status4. To ensure that you have continued protection, our plans offer a guaranteed renewal up to age 1005.

Comprehensive coverage1.

To recognize you for maintaining good health, you can enjoy a No Claim Discount of 15% if you do not make any hospitalization claims over 3 consecutive policy years6. Even better, your eligibility to the No Claim Discount will not be affected by claims for a day-surgery treatment or if your claim for hospitalization has been partially reimbursed by other insurance companies. In addition, as we hope that you maintain medical protection on a long term basis to guard against unexpected health issues, we will give you a loyalty bonus of 5% off the standard annual premium every 10 years as long as the plans7 are in force!

Discounts and loyalty bonuses2. $

Remarks:3. You can choose to purchase our Optional Supplementary Benefit and Optional Female Benefit.4. Only available to insureds who are HKID cardholders with no extra exclusions and extra premiums. You can only exercise this option once per

life and only when the insured reaches the age of 30, 40, 50 or 60 (subject to our maximum medical coverage per life and other terms and conditions of the Policy Document). This option is only available to Plan 1 and Plan 2 and is limited to hospitalization and surgical benefit plans as applicable to this benefit.

5. Subject to terms and conditions of the Policy Document. Please note that for Optional Female Benefit, guaranteed renewal is up to age 50 only.6. Please refer to the terms and conditions of the Policy Document for eligibility.7. The bonus is payable every 10 years based on premium determined on annual payment mode before the No Claim Discount. Not applicable to

premiums for supplementary benefits and extra premiums.

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Advancement in medical technology means certain surgeries can be safely performed in clinics/day-surgery centres without the need to stay in a hospital. With SunHealth Medical Care, you can enjoy the coverage of day-surgery whether you visit one of the network of specialists or your own doctors. As mentioned earlier, in addition to saving you time, you can enjoy a No Claim Discount of 15% for your future premiums8 by opting for day-surgery treatments9. Moreover, when you visit one of the network of specialists and undergo selected day-surgeries in their clinics, we will settle your medical bill directly, reducing delays in time and claim documents10.

Day-surgery arrangement at your convenience3.

Remarks:8. Provided you do not make any inpatient hospitalization and surgical claims for 3 or more consecutive policy years. However, secondary inpatient

claim will not affect your entitlement to No Claim Discount.9. Provided you do not otherwise claim any confinement benefits and as per our terms and conditions of the Policy Document.10. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (“I.P.A.”) under the Medical Orientation Benefit. The insured

must have been continuously covered under SunHealth Medical Care for a minimum period of 180 days in order to enjoy this benefit. This is an administrative arrangement only applicable in Hong Kong for payment of covered expenses for charges related to surgery including surgery fees, instrument and miscellaneous items cost, but not a benefit under policy provisions or guaranteed arrangement. Sun Life reserves the right to terminate or vary the service at its sole discretion without prior notice. Sun Life will pay the medical charges to the relevant clinic/day-surgery centre on behalf of the insured after successful day surgery arrangement, but if the actual medical expense incurred (which may vary with the insured’s condition, case complexity and individual doctors charge incurred, etc.) exceed the covered expenses pre-approved by Sun Life, the excess will not be covered. In such a case, the insured is required to pay the shortfall when discharged from the clinic/day-surgery centre. The benefits, services and renewal of this service are provided by I.P.A., a third party and are not guaranteed.


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To allow you focus on recovery without worrying about leaving your loved ones unattended while staying in hospital, we provide family care benefit to extend care to your parents, children, spouse or even your beloved pet11. If you need to be admitted to a hospital while you are in Mainland China, you do not need to pay any deposit upfront for admission if you present your valid Care Card at any one of the network hospitals12. And if you are in need of emergency assistance anywhere in the world, you can access to our 24-hour worldwide emergency assistance hotline13.

Extra peace of mind4.

Remarks:11. This is provided by a third party company, I.P.A. under the Family Care Benefit which is applicable in Hong Kong only. The benefits, services and

renewal of the same are not guaranteed.12. This is provided by a third party company, I.P.A. under the MedPass Service. This benefit is not guaranteed to be renewable. Please refer to a sample

endorsement, which will be provided upon request, for details including definitions, full terms and conditions, and exclusions.13. The is provided by a third party company, I.P.A. under the Worldwide Emergency Assistance Benefit. This benefit is not guaranteed to be renewable.

Please refer to a sample endorsement, which will be provided upon request, for details including definitions, full terms and conditions, and exclusions.

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Key Product Information

Plan/Rider Benefit SunHealth Medical CareOptional Supplementary

BenefitOptional Female Benefit

Issue Age 15 days-age 75 15 days-age 70 Age 18-45

Benefit Term 14, 15

Guaranteed renewable up to age 100Guaranteed renewable up

to age 50

(Please note that benefits may be revised by Sun Life to reflect various factors including but not limited to medical developments and medical inflation.)

Premium PaymentTerm 15

To age 100 To age 50

Currency• HKD for basic plan• HKD, USD or RMB for rider benefit

Premium Structure 14

Premium amount is determined based on the attained age and varies with age and other factors. Premiums are not guaranteed and may be revised to reflect policy experience (e.g. claim experience, medical inflation and benefit changes over time).

Remarks:14. Please refer to the terms and conditions of the Policy Document regarding Premium, Revision of Benefit and Renewal for details.15. If SunHealth Medical Care is attached to a basic plan, the benefit term and premium payment term of SunHealth Medical Care rider benefit/

Optional Supplementary Benefit/Optional Female Benefit will be up to the benefit term of the basic plan. Please refer to our terms and conditions of the Policy Document for details.


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Schedule of BenefitsEach benefit is subject to the Maximum Amount of Benefit per Disability16 shown in the Schedule of Benefits. You may only make a new claim if you are admitted to a hospital after at least 90 days from the date of last discharge.

Benefit How it worksMaximum Benefit per Disability

Plan 1 Plan 2 Plan 3

Hospitalization and Surgical Benefit

1. Daily Hospital Room and Board Benefit (max. 180 days)

Reimburses the actual room and board charges for the period of confinement.

HKD880/USD110/RMB770 per day

HKD1,600/USD200/RMB1,400 per day


2. Daily Doctor’s Visit Benefit (max. 180 days)

Reimburses the actual amount charged by the attending doctor.



HKD4,000/ USD500/RMB3,500 per day

3. Miscellaneous Expenses Benefit

Reimburses the actual charges for customary services prescribed in the hospital or clinic in respect of the disability.

HKD10,000/USD1,250/RMB8,750

HKD21,000/USD2,625/RMB18,375

HKD35,000/USD4,375/RMB30,625

4. Surgical Fees Benefit

Reimburses actual surgical fees for operations in the hospital or clinic not exceeding a specific percentage (varies by surgery) of the maximum surgical fees benefit.17

HKD40,000/USD5,000/RMB35,000

HKD65,000/USD8,125/RMB56,875

HKD88,000/USD11,000/RMB77,000

5. Anaesthetist’s Fees Benefit

Reimburses the actual anaesthetist’s fees charged for the surgical operation.

40% of Surgical Fees Benefit payable

6. Operating Theatre Fees Benefit

Reimburses the actual operating theatre fees charged for the surgical operation.

7. Specialist Consultation Fees Benefit

Reimburses the actual amount charged by a specialist as recommended by the attending doctor during confinement.

HKD2,800/USD350/RMB2,450

HKD5,000/ USD625/RMB4,375

HKD10,000/USD1,250/RMB8,750

8. Intensive Care Room and Board Benefit

Reimburses the actual room and board expenses in excess of the maximum amount payable under Daily Hospital Room and Board Benefit, when the insured is admitted to the Intensive Care Unit of a hospital.

HKD20,000/USD2,500/RMB17,500

HKD25,000/USD3,125/RMB21,875

HKD30,000/USD3,750/RMB26,250

Remarks:16. Disability refers to an accidental injury or sickness. Please refer to the terms and conditions of the Policy Document for details.17. Please refer to the terms and conditions of the Policy Document relating to the claims restriction on the surgical operations classified as

clinical surgery.

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9. Extra Bed for Family Members of Children and Elderly Benefit (max. 30 days)

Reimburses actual charges for an extra bed for the insured’s family member who accompanies the insured aged below 19 or aged 60 or above during the confinement.




10. Cancer Treatment Benefit (per life)

Reimburses actual expenses incurred for customary chemotherapy, radiotherapy, biological therapy and target therapy for cancer treatment during confinement or in a clinic after confinement or after surgery upon recommendation by the attending doctor.

HKD60,000/USD7,500/RMB52,500

HKD100,000/USD12,500/RMB87,500

HKD150,000/USD18,750/RMB131,250

11. Kidney Dialysis Treatment Benefit (per life)

Reimburses actual expenses incurred for kidney dialysis in treating chronic and irreversible kidney failure during confinement or in a clinic after confinement or after surgery upon recommendation by the attending doctor.

HKD60,000/USD7,500/RMB52,500

HKD100,000/USD12,500/RMB87,500

HKD150,000/USD18,750/RMB131,250

12. Home Nursing Benefit

• Reimburses actual expenses for services provided by a qualified nurse immediately after confinement or after surgery as recommended by the attending doctor.

• For insured that attains the age of 60 or above, the maximum number of days will be doubled.

HKD400/USD50/RMB350 per day (max. 10

consecutive days)

HKD680/USD85/RMB595 per day (max. 15

consecutive days)

HKD1,480/USD185/RMB1,295 per day (max. 15

consecutive days)

13. Chiropractor/Acupuncturist/Physiotherapist Benefit

Reimburses actual charges for treatment received recommended by the attending doctor within three months immediately after confinement or after surgery.

HKD400/USD50/RMB350 per visit

(max. 10 visits)


(max. 15 visits)


(max. 15 visits)

14. Pre- and Post-surgical Out-patient Care Benefit

Including pre-surgical visits within one month before surgery, and all related post-surgical follow-up visits within three months immediately after the performance of such surgery on an out-patient basis by the attending doctor.

Inpatient surgery:

HKD1,000/ USD125/RMB875

Out-patient surgery:

HKD3,000/USD375/RMB2,625

Inpatient surgery:

HKD1,600/USD200/RMB1,400


HKD4,800/USD600/RMB4,200

Inpatient surgery:

HKD2,800/USD350/RMB2,450


HKD8,400/USD1,050/RMB7,350


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Extra Benefit

15. Emergency Out-Patient Treatment Benefit (for accidental injury only)

Reimburses the actual charges for treatment received at a hospital’s out-patient department within 24 hours of an accident.

HKD5,000/USD625/RMB4,375

HKD8,000/USD1,000/RMB7,000

HKD14,000/USD1,750/RMB12,250

16. Death or Surgical Benefit Due to Medical Negligence in Hospital

Payable for death or surgical operation occurring within 30 days of the medical negligence incident by a doctor or qualified nurse in the relevant hospital.

Death: HKD80,000/ USD10,000/RMB70,000

Surgery: HKD10,000/USD1,250/RMB8,750

(max. HKD80,000/USD10,000/RMB70,000

per incident)

Death: HKD160,000/USD20,000/RMB140,000


(max. HKD160,000/USD20,000/RMB140,000 per incident)

Death: HKD320,000/USD40,000/RMB280,000


(max. HKD320,000/USD40,000/RMB280,000 per incident)

17. Daily Hospital Cash Benefit (max. 180 days)

Payable for confinement in the general ward of a hospital wholly funded by the Hong Kong Government and operated by the Hospital Authority where the insured is a holder of a Hong Kong Identity Card.

HKD700/USD87.5/RMB612.5 per day

HKD1,000/ USD125/RMB875 per day

HKD2,000/USD250 /RMB1,750 per day

18. Compassionate Death Benefit

Only available to basic plan HKD10,000 HKD20,000 HKD30,000

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Optional Benefits

Benefit How it worksMaximum Benefit


Optional Supplementary BenefitReimburses 80% of the difference between treatment expenses incurred and maximum amount of benefit payable subject to a further adjustment if the insured of Plan 1 is confined to a higher level than General Ward (50% if confinement is in semi-private room and 25% if confinement is in standard private room or above).


Reimburses the benefit subject to the per disability maximum limit.

HKD100,000/ USD12,500/RMB87,500

per disability

HKD160,000/USD20,000/RMB140,000

per disability

HKD300,000/USD37,500/RMB262,500 per disability

If the insured’s age is between 76 and 100:

Reimburses the benefit subject to the per life maximum limit. Any claims incurred before then will not be counted towards this limit.

HKD400,000/USD50,000/RMB350,000

per life

HKD640,000/USD80,000/RMB560,000

per life

HKD1,200,000/USD150,000/RMB1,050,000

per life

Daily and/or visit limits shown in the Schedule of Benefits and the following conditions also apply:• Daily Hospital Room and Board Benefit and Daily Doctor’s Visit Benefit are payable

from the 181st day of confinement only.• The Extra Bed for Family Members of Children and Elderly Benefit is payable from

the 31st day of relevant expenses only.• The Home Nursing Benefit is payable from the 11th day for Plan 1 or 16th day for

Plan 2 or 3 of incurring such expenses and within two months immediately after confinement or surgery. For insured who attains the age of 60 or above, this Benefit is payable from the 21st day for Plan 1 and 31st day for Plan 2 or 3 of incurring such expenses. The Home Nursing Service must be incurred consecutively within the stated period.

• The Chiropractor/Acupuncturist/Physiotherapist Benefit is payable from the 11th visit for Plan 1 and 16th visit for Plan 2 or 3 of incurring such expenses and within three months after confinement or surgery and subject to a maximum of 30 visits.

• The Cancer Treatment Benefit and Kidney Dialysis Treatment Benefit are not payable if they are provided on an out-patient basis. Pre-and Post-surgical Out-patient Care Benefit is not payable.


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Optional Female Benefit

Mother’s Cover18

Reimburses you for actual expenses for:• Emergency caesarian section• Ectopic pregnancy• Diagnosed postnatal depression which

necessitates psychiatric treatment in a hospital within 180 days after childbirth

• Miscarriage/Non-elective abortion (not self induced)

• Hydatidiform mole• Childbirth complications diagnosed

within 7 days after childbirth which necessitates hospitalization within 30 days after childbirth

According to the amounts shown in the Schedule of Benefits of Hospitalization and Surgical Benefit.

Newborn Baby’s Cover

Reimburses you for room and board charges in any ward or intensive care room for hospitalization of your baby within 30 days of birth due to any of the illnesses below. The illness must be diagnosed within 7 days after birth.• Anencephaly• Ano-Rectal Atresia• Cardiac Deformities• Cleft Lip and Cleft Palate• Congenital Dislocation of the Hip• Down’s Syndrome• Exomphalos or Umbilical Hernia• Hydrocephalus• Meconium Aspiration Syndrome• Oesophageal Atresia and Oesophago-

Tracheal Fistula• Patent Ductus Arteriosus• Spina Bifida with Meningocele or

Meningomyelocele• Tetralogy of Fallot

The benefit will be paid according to the Schedule of Benefits for daily hospital room and board or intensive care room up to a maximum of 30 days per illness.

Regular Medical Check-up

This preventive medical care is provided with no additional cost and available on the first anniversary of this rider benefit and once every 2 years thereafter. Currently, this check-up program includes a pelvic examination, pap smear and breast examination as well as blood pressure and pulse checking.

Not Applicable

Remark:18. Only applicable to pregnancies commencing 10 months after the time the policy/rider benefit is effective, issued or reinstated, whichever is

the latest.

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Key Product Risks:

1. Premium of this basic plan/rider benefit is expected to increase with age and may be reviewed and adjusted from time to time, in order to reflect the experience and change in future expectation. We reserve the right to adjust the premium for any group of insureds with similar risk profiles at every benefit anniversary during the premium payment term. Factors include but not limited to the following would be considered and reflected during the review:

a. Claim costs incurred under this basic plan/rider benefit and the expected claim costs in the future

b. Expenses directly related to and indirect expenses allocated to the policy

2. We will renew this basic plan/rider benefit automatically at each benefit anniversary for another benefit year provided that premiums are paid on the premium due date. If you do not pay a premium on or before the premium due date, a grace period of 31 days from its due date will be allowed for the payment, during which time this basic plan/rider benefit will continue in effect. If a premium has not been paid to us by the date on which the grace period expires, the basic plan/rider benefit will lapse automatically on the due date.

3. Similarly, we may from time to time revise the benefit payable under SunHealth Medical Care, Optional Supplementary Benefit and Optional Female Benefit. We will notify you in writing at least 30 days before the benefit anniversary specifying, among other things, the revised benefits, the new premium, the revised policy provisions (if any) and their effective date.

4. We have the right to terminate the basic plan/rider benefit upon the earliest of the following:

a. premium is still unpaid and the grace period expires;

b. the insured passes away;

c. the insured attains age 100; or

d. the date on which the basic plan/life coverage, to which it is attached, is terminated (applicable to rider benefit).

In addition, we have the right to terminate this basic plan/rider benefit if:

a. any material fact is incorrectly stated or misrepresented in the application or any statement or declaration made by the policy owner or the insured;

b. this basic plan/rider benefit is obtained through any misstatement, misrepresentation or undue influence;

c. in case of fraud;

d. there is exaggeration in your claim; or

e. the policy owner or the insured fails to act in utmost good faith.

5. Any transaction involving conversion between policy currency and other currencies would be exposed to foreign exchange risks such as the fluctuation in exchange rate against policy currency.

6. If the policy currency is RMB, you may choose to pay your premiums in RMB and to receive benefits in HKD at an exchange rate determined by Sun Life Hong Kong Limited from time to time. Due to exchange rate fluctuations, there is a risk that RMB will depreciate or appreciate against HKD. You may be affected by such fluctuations if you choose to receive your benefits in HKD. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. You may have to allow time for conversion of RMB from/to another currency if your amount exceeds the applicable daily limit.

7. The cost of living in the future is likely to be higher than it is today due to inflation, so the benefit may be insufficient to meet your needs even if we meet our contractual obligation. You should hence consider the impact of inflation when you plan the benefit.

8. This basic plan/rider benefit is an insurance policy issued by Sun Life Hong Kong Limited and your benefits are subject to the paying ability of Sun Life Hong Kong Limited. In the event that we become insolvent and unable to meet the contractual obligation under the policy, you may lose all or part of your premiums paid and benefits.


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Key Exclusions:

We will not pay any claim directly or indirectly caused by any of the following:

a. Any sickness of which signs or symptoms first occur within 30 days after the basic plan/rider benefit is effective, issued or reinstated, whichever is the latest. Any cancer and chronic and irreversible kidney failure which signs or symptoms first occur within 90 days after the basic plan/rider benefit is effective, issued or reinstated, whichever is the latest;

b. Any pre-existing condition which occurs before the basic plan/rider benefit is effective issued or reinstated, whichever is the latest;

c. Any pregnancy which commences within 10 months after the basic plan/rider benefit is effective, issued or reinstated, whichever is the latest (Applicable to Optional Female Benefit only);

d. The insured’s committing or attempting to commit suicide or self-inflicted injury, while the insured is sane or insane;

e. The insured’s committing or attempting to commit a criminal offence or participating in any brawl;

f. Unreasonable failure to seek or follow medical advice;

g. The insured’s participating in any kind of racing on horse or wheel, any form of combat or scuba diving;

h. The insured’s flying or undertaking any other aerial activity except as a fare-paying passenger on a licensed public or chartered air service;

i. Childbirth, pregnancy, miscarriage or abortion, whether or not this event may have been accelerated or induced by an accident, unless otherwise provided under the Optional Female Benefit of the basic plan/rider benefit provisions, if applicable;

j. The insured’s taking or absorbing or being under the influence of, accidentally or otherwise, any alcohol, drug, narcotic, medicine, sedative or poison, except as prescribed by a doctor;

k. Routine physical examinations, health check-ups or tests, rest cure, sanatorium care, vaccinations, immunizations, injections or preventive medication, unless otherwise provided under the Optional Female Benefit of the basic plan/rider benefit provisions, if applicable;

l. Any treatment, investigations or confinement which is not medically necessary or where the insured has applied for home leave or otherwise left the hospital (whether for any time or for all the remaining confinement period) during a confinement period, we will not cover the days in which he or she took the relevant leave;

m. Any treatment or investigation related to dental, gum or jaw bone conditions, treatment of refractive errors, cosmetic surgery or plastic surgery, except and to the extent that any such treatment is necessary for cure or alleviation of accidental injury to the insured and not being replacement of natural teeth or installation, removal or replacement of denture;

n. Treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female reproductive organs, unless the insured has been continuously covered under the basic plan/rider benefit for a period of 120 days immediately preceding the manifestation of signs and symptoms of such disease;

o. Special nursing care, prepaid expenses for use after discharged from hospital or after the day the surgical operation is performed in clinic, or charges and expenses for wheelchair, iron-lung, artificial limbs, braces, crutches or other prosthetic devices or hospital equipment, except for the rental of such devices or equipment during the confinement period;

p. Venereal diseases, sexually transmitted diseases, infertility, sterilization, psychiatric treatment, mental or nervous diseases or disorders, or congenital deformities or anomalies, unless otherwise provided under the Optional Female Benefit of the basic plan/rider benefit provisions, if applicable;

q. Any human immunodeficiency virus (HIV) and/or any HIV-related illnesses including acquired immune deficiency syndrome (AIDS) and/or any mutations, derivations or variations thereof;

r. War (whether declared or undeclared), insurrection, civil war or any warlike operation, whether or not the insured was actively participating in them;

s. Atomic explosion, nuclear fission or radioactive gas; or

t. Charges for non-medical services such as internet access, telephone, television, radio, photocopy, medical report charges, taxes and the like.

Important Notes:

Effective from January 1, 2018, all policy owners are required to pay a levy on their insurance premium for all new and inforce policies collected by the Insurance Authority through insurance company. The applicable levy rate will be determined by reference to the policy date or policy anniversary date. For levy details, please visit our website at www.sunlife.com.hk/levy_eng or Insurance Authority’s website at www.ia.org.hk.

This brochure is for reference only. Please refer to a sample Policy Document for details including definitions of capitalized terms, full terms and conditions of coverage, and exclusions.

Cancellation Right:

By giving us a written request, your policy will then be cancelled and any premium and levy paid will be refunded, provided that: (1) your written request for cancellation must be signed by you and received directly by our office (G/F, Cheung Kei Center Tower B, No. 18 Hung Luen Road, Hunghom, Kowloon) or through email ([email protected]) within 21 calendar days after the delivery of the policy or issue of a notice informing you/your representative about the availability of the policy and the expiry date of the cooling-off period, whichever is the earlier; and (2) no refund can be made if any payment from the Company under the policy has been made prior to your request for cancellation.

Welcome to the World of Sun Life Hong KongSun Life Hong Kong is a wholly owned subsidiary of Sun Life Assurance Company of Canada. Since February 22, 1892, Sun Life Hong Kong has been here to helping Hong Kong shine brighter over 125 years by providing excellent products and services.

Sun Life Hong Kong is a leading international financial services organization providing a diverse range of products and services to individuals and corporate clients through our professional and experienced distributors. We provide total solutions to address your life and health protection, wealth management, and retirement planning needs. Besides offering a wide range of products, we are also an experienced group benefit and third party administrator in the pension administration business.

We truly understand the needs of your various life stages, and offer a wide range of products including Savings & Protection, Health & Accident, Universal Life, and Investment-Linked Assurance Schemes. SunHealth Medical Care is part of Sun Life’s Health & Accident series, providing financial support when you need it.

What’s next?You can find out more: Website: sunlife.com.hk Client Service Hotline: 2103 8928 Please contact your Advisor

Sun Life Product Portfolio

Savings &Protection Health & Accident

Investment-LinkedAssurance Schemes

(ILAS)Universal Life


Client Service CentreG/F, Cheung Kei Center Tower B,No. 18 Hung Luen Road, Hunghom, Kowloon

Client Service Hotline: 2103 8928 Fax: 2103 8938sunlife.com.hk

A member of the Sun Life Financial group of companies. Head Office in Toronto, Canada.

Printed in July 2020Issued by Sun Life Hong Kong Limited90

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This brochure is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong Limited outside Hong Kong. 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 brochure, the Policy Document shall prevail.

SunHealth Medical Care - Premium Table永明貼心醫療保 - 保費表

SunHealth Medical Care 永明貼心醫療保Annual Premium (HKD) - Basic Plan 每年保費（港元） - 基本計劃

The above table is for illustration purpose only. 以上只作供說明之用。9010

212

/01-

2020

Male 男 Female 女

Age年齡

Plan計劃 1 Plan

計劃 2 Plan計劃 3 Plan


計劃 30 2,392 4,654 8,236 2,353 4,579 8,102 1 2,274 4,425 7,829 2,157 4,197 7,426 2 2,264 4,407 7,797 2,147 4,179 7,394 3 2,255 4,389 7,765 2,138 4,161 7,362 4 2,246 4,371 7,733 2,129 4,143 7,330 5 1,851 3,601 6,619 1,874 3,461 6,295 6 1,841 3,580 6,580 1,862 3,440 6,256 7 1,830 3,558 6,541 1,850 3,418 6,217 8 1,819 3,537 6,502 1,839 3,397 6,178 9 1,808 3,516 6,464 1,827 3,375 6,139 10 1,797 3,495 6,425 1,815 3,354 6,100 11 1,786 3,474 6,386 1,804 3,332 6,060 12 1,776 3,453 6,347 1,792 3,311 6,021 13 1,765 3,432 6,308 1,780 3,289 5,982 14 1,754 3,411 6,270 1,769 3,267 5,943 15 1,754 3,411 6,270 1,769 3,267 5,943 16 1,759 3,420 6,287 1,774 3,277 5,960 17 1,759 3,420 6,287 1,781 3,289 5,983 18 1,759 3,420 6,287 1,787 3,302 6,006 19 1,769 3,430 6,297 1,797 3,315 6,028 20 1,779 3,440 6,307 1,807 3,327 6,051 21 1,789 3,450 6,317 1,850 3,340 6,218 22 1,864 3,547 6,505 2,010 3,533 6,446 23 1,972 3,673 6,663 2,077 3,664 6,587 24 1,995 3,735 6,823 2,145 3,796 6,727 25 2,018 3,798 6,924 2,214 3,929 6,899 26 2,036 3,859 7,023 2,279 4,057 7,068 27 2,046 3,906 7,098 2,350 4,161 7,215 28 2,056 3,952 7,172 2,423 4,266 7,362 29 2,066 3,982 7,216 2,495 4,370 7,508 30 2,076 4,012 7,261 2,566 4,474 7,653 31 2,086 4,042 7,300 2,633 4,576 7,798 32 2,108 4,149 7,466 2,737 4,779 8,060 33 2,163 4,255 7,632 2,841 4,982 8,321 34 2,217 4,362 7,799 2,945 5,185 8,582 35 2,271 4,468 7,965 3,047 5,387 8,841 36 2,322 4,571 8,131 3,146 5,586 9,098 37 2,415 4,731 8,472 3,241 5,799 9,467 38 2,510 4,892 8,812 3,336 6,012 9,838 39 2,604 5,055 9,155 3,432 6,226 10,209 40 2,699 5,216 9,498 3,527 6,441 10,582 41 2,838 5,467 10,015 3,659 6,717 11,057 42 3,019 5,876 10,638 3,864 7,107 11,643 43 3,232 6,344 11,367 4,075 7,504 12,240 44 3,395 6,715 11,920 4,252 7,836 12,730 45 3,559 7,086 12,472 4,428 8,170 13,221 46 3,718 7,458 13,027 4,603 8,502 13,712 47 3,893 7,740 13,568 4,749 8,823 14,246 48 4,070 8,020 14,109 4,896 9,145 14,781 49 4,246 8,302 14,650 5,042 9,466 15,315

Male 男 Female 女

Age年齡

Plan計劃 1 Plan



計劃 350 4,423 8,584 15,192 5,190 9,788 15,850 51 4,595 8,862 15,731 5,332 10,107 16,384 52 4,894 9,232 16,353 5,618 10,658 17,171 53 5,196 9,603 16,975 5,904 11,209 17,958 54 5,497 9,972 17,597 6,189 11,761 18,744 55 5,797 10,342 18,221 6,475 12,312 19,531 56 6,095 10,707 18,837 6,757 12,859 20,315 57 6,422 11,327 19,875 6,948 13,425 21,143 58 6,749 11,950 20,918 7,137 13,989 21,970 59 7,077 12,574 21,964 7,326 14,550 22,792 60 7,345 13,091 22,821 7,584 15,249 23,829 61 7,543 13,481 23,464 7,842 15,953 24,876 62 7,791 14,211 24,669 8,317 16,788 26,716 63 8,172 15,173 26,281 8,881 17,794 28,850 64 8,555 16,139 27,899 9,221 18,350 30,263 65 8,938 17,108 29,521 9,558 18,902 31,670 66 9,316 18,080 31,146 9,893 19,448 33,071 67 9,739 19,180 32,990 10,198 20,109 34,523 68 10,161 20,282 34,836 10,504 20,773 35,975 69 10,584 21,383 36,682 10,810 21,437 37,427 70 11,008 22,484 38,527 11,117 22,100 38,879 71 11,430 23,582 40,367 11,419 22,759 40,330 72 11,860 24,357 41,883 11,820 23,637 41,744 73 12,288 25,133 43,399 12,221 24,514 43,158 74 12,718 25,907 44,915 12,621 25,391 44,572 75 13,147 26,682 46,430 13,022 26,269 45,987 76 13,576 27,454 47,943 13,421 27,141 47,400 77 13,815 28,006 49,058 13,628 27,627 48,392 78 14,055 28,559 50,173 13,835 28,111 49,384 79 14,295 29,112 51,287 14,043 28,596 50,376 80 14,535 29,666 52,401 14,250 29,080 51,368 81 14,773 30,215 53,513 14,454 29,562 52,359 82 15,096 30,907 54,387 14,738 30,172 53,099 83 15,421 31,600 55,261 15,024 30,784 53,839 84 15,746 32,294 56,134 15,308 31,394 54,577 85 16,070 32,987 57,009 15,593 32,005 55,317 86 16,390 33,679 57,881 15,874 32,617 56,057 87 16,713 34,303 58,812 16,186 33,221 56,958 88 17,038 34,929 59,743 16,500 33,826 57,859 89 17,363 35,555 60,675 16,814 34,431 58,759 90 17,687 36,181 61,606 17,127 35,035 59,661 91 18,009 36,802 62,532 17,441 35,640 60,561 92 18,283 37,457 63,134 17,742 36,350 61,264 93 18,558 38,114 63,736 18,044 37,059 61,966 94 18,833 38,770 64,337 18,347 37,769 62,671 95 19,107 39,428 64,939 18,649 38,479 63,373 96 19,378 40,081 65,536 18,948 39,189 64,076 97 19,690 40,682 65,894 19,368 40,018 64,809 98 20,001 41,284 66,252 19,790 40,848 65,540 99 20,311 41,885 66,609 20,210 41,678 66,272

The above table is for illustration purpose only. 以上只作供說明之用。

Male 男 Female 女

Age年齡

Plan計劃 1 Plan



計劃 30 2,269 4,139 7,321 2,245 4,095 7,244 1 2,022 3,772 6,670 2,001 3,732 6,599 2 2,014 3,756 6,643 1,993 3,716 6,572 3 2,006 3,741 6,616 1,985 3,701 6,545 4 1,998 3,726 6,588 1,976 3,686 6,518 5 1,578 2,937 5,149 1,595 3,080 5,204 6 1,569 2,920 5,119 1,585 3,062 5,173 7 1,559 2,903 5,089 1,576 3,043 5,142 8 1,550 2,885 5,058 1,566 3,025 5,111 9 1,541 2,868 5,028 1,557 3,007 5,080 10 1,532 2,851 4,998 1,547 2,988 5,049 11 1,522 2,834 4,968 1,538 2,970 5,018 12 1,513 2,817 4,938 1,528 2,951 4,987 13 1,504 2,799 4,908 1,519 2,933 4,956 14 1,495 2,782 4,877 1,509 2,915 4,925 15 1,495 2,782 4,877 1,509 2,915 4,925 16 1,499 2,790 4,891 1,513 2,923 4,938 17 1,499 2,790 4,891 1,519 2,933 4,956 18 1,499 2,790 4,891 1,524 2,944 4,974 19 1,509 2,800 4,901 1,534 2,955 4,993 20 1,519 2,810 4,911 1,544 2,966 5,011 21 1,537 2,839 5,356 1,705 3,106 5,402 22 1,620 2,932 5,541 1,820 3,255 5,631 23 1,704 3,027 5,678 1,851 3,345 5,783 24 1,715 3,066 5,816 1,882 3,435 5,935 25 1,725 3,106 5,901 1,913 3,527 6,115 26 1,735 3,144 5,985 1,941 3,613 6,294 27 1,745 3,183 6,048 2,004 3,707 6,426 28 1,755 3,221 6,113 2,065 3,801 6,558 29 1,765 3,246 6,150 2,127 3,894 6,689 30 1,775 3,271 6,188 2,188 3,987 6,819 31 1,785 3,296 6,222 2,244 4,075 6,946 32 1,798 3,383 6,363 2,332 4,258 7,182 33 1,843 3,470 6,505 2,420 4,440 7,416 34 1,888 3,557 6,647 2,508 4,622 7,649 35 1,934 3,644 6,788 2,596 4,802 7,882 36 1,978 3,725 6,927 2,681 4,978 8,109 37 2,057 3,939 7,218 2,783 5,136 8,436 38 2,138 4,153 7,510 2,885 5,295 8,765 39 2,219 4,369 7,803 2,988 5,454 9,095 40 2,300 4,585 8,097 3,091 5,615 9,426 41 2,417 4,879 8,533 3,221 5,828 9,849 42 2,574 5,186 9,065 3,418 6,166 10,371 43 2,754 5,544 9,686 3,617 6,510 10,902 44 2,893 5,815 10,156 3,785 6,799 11,336 45 3,032 6,088 10,628 3,955 7,088 11,774 46 3,168 6,355 11,100 4,119 7,374 12,210 47 3,318 6,595 11,445 4,265 7,585 12,556 48 3,468 6,836 11,790 4,410 7,796 12,902 49 3,618 7,075 12,135 4,557 8,008 13,248

Male 男 Female 女

Age年齡

Plan計劃 1 Plan



計劃 350 3,769 7,315 12,480 4,703 8,218 13,594 51 3,915 7,551 12,819 4,848 8,429 13,937 52 4,172 7,866 13,325 5,031 8,814 14,613 53 4,429 8,181 13,832 5,213 9,200 15,287 54 4,685 8,495 14,338 5,395 9,587 15,962 55 4,942 8,810 14,844 5,578 9,972 16,637 56 5,195 9,122 15,351 5,755 10,355 17,308 57 5,472 9,651 16,374 5,946 10,734 18,162 58 5,750 10,182 17,400 6,137 11,113 19,012 59 6,029 10,715 18,430 6,327 11,490 19,859 60 6,258 11,156 19,302 6,578 11,975 20,895 61 6,426 11,485 19,988 6,829 12,463 21,943 62 6,637 12,108 21,014 7,208 13,344 23,370 63 6,961 12,928 22,386 7,661 14,372 25,051 64 7,286 13,752 23,762 7,920 15,040 26,101 65 7,611 14,578 25,145 8,178 15,705 27,147 66 7,939 15,402 26,530 8,433 16,363 28,185 67 8,299 16,341 28,103 8,772 17,269 29,700 68 8,660 17,278 29,675 9,112 18,174 31,215 69 9,020 18,217 31,247 9,452 19,080 32,729 70 9,381 19,156 32,819 9,792 19,986 34,244 71 9,740 20,091 34,388 10,127 20,892 35,758 72 10,174 20,984 35,920 10,492 21,642 37,044 73 10,609 21,878 37,451 10,857 22,393 38,330 74 11,044 22,773 38,984 11,221 23,144 39,616 75 11,478 23,666 40,516 11,586 23,896 40,901 76 11,908 24,560 42,043 11,948 24,643 42,187 77 12,153 25,066 42,911 12,189 25,139 43,033 78 12,399 25,573 43,777 12,430 25,634 43,880 79 12,645 26,078 44,644 12,669 26,130 44,727 80 12,892 26,584 45,510 12,910 26,625 45,574 81 13,135 27,090 46,372 13,147 27,117 46,420 82 13,423 27,683 47,389 13,430 27,700 47,418 83 13,710 28,277 48,405 13,714 28,284 48,417 84 13,998 28,870 49,421 13,998 28,868 49,416 85 14,286 29,464 50,437 14,281 29,453 50,414 86 14,572 30,056 51,449 14,560 30,034 51,411 87 14,860 30,539 52,276 14,846 30,512 52,227 88 15,148 31,023 53,105 15,131 30,989 53,044 89 15,436 31,506 53,932 15,415 31,465 53,862 90 15,724 31,990 54,760 15,700 31,943 54,679 91 16,009 32,471 55,584 15,982 32,418 55,491 92 16,308 32,687 56,223 16,224 32,523 55,934 93 16,608 32,905 56,862 16,466 32,629 56,378 94 16,906 33,121 57,503 16,708 32,735 56,820 95 17,205 33,338 58,142 16,949 32,840 57,263 96 17,502 33,551 58,778 17,187 32,945 57,703 97 17,654 33,714 59,393 17,330 33,094 58,167 98 17,806 33,876 60,009 17,474 33,245 58,630 99 17,958 34,039 60,623 17,617 33,395 59,094

SunHealth Medical Care 永明貼心醫療保Annual Premium (HKD) - Rider Benefit 每年保費（港元） - 附加保障

Male 男 Female 女

Age年齡

Plan計劃 1 Plan



計劃 30 751 1,142 2,021 751 1,142 2,021 1 683 1,085 1,920 683 1,085 1,920 2 680 1,080 1,912 680 1,080 1,912 3 677 1,075 1,903 677 1,075 1,903 4 674 1,070 1,895 674 1,070 1,895 5 579 917 1,688 604 915 1,691 6 578 916 1,685 603 913 1,688 7 577 914 1,682 602 912 1,685 8 576 913 1,679 601 910 1,682 9 575 911 1,676 600 908 1,679 10 574 909 1,673 599 907 1,676 11 573 908 1,670 598 905 1,673 12 572 906 1,667 596 903 1,670 13 571 904 1,664 595 902 1,667 14 570 903 1,661 594 900 1,663 15 569 901 1,658 593 898 1,660 16 568 899 1,655 592 897 1,657 17 567 898 1,652 591 895 1,654 18 567 898 1,652 591 895 1,654 19 577 908 1,662 601 905 1,664 20 587 918 1,672 611 915 1,674 21 597 928 1,682 655 933 1,690 22 607 938 1,704 699 977 1,744 23 634 964 1,748 709 1,003 1,774 24 644 982 1,792 720 1,030 1,804 25 654 1,000 1,820 731 1,056 1,844 26 664 1,024 1,862 753 1,097 1,912 27 674 1,037 1,882 775 1,128 1,956 28 684 1,051 1,902 797 1,160 2,001 29 694 1,061 1,913 819 1,191 2,045 30 704 1,071 1,924 842 1,223 2,089 31 714 1,081 1,936 862 1,250 2,129 32 731 1,102 1,981 898 1,307 2,206 33 750 1,130 2,025 934 1,366 2,281 34 768 1,158 2,069 970 1,424 2,356 35 788 1,187 2,115 1,006 1,483 2,432 36 802 1,212 2,154 1,038 1,540 2,507 37 838 1,268 2,245 1,077 1,600 2,610 38 874 1,323 2,336 1,116 1,658 2,712 39 911 1,379 2,428 1,155 1,717 2,816 40 947 1,437 2,519 1,195 1,777 2,919 41 998 1,519 2,656 1,247 1,851 3,048 42 1,058 1,615 2,821 1,306 1,959 3,209 43 1,130 1,725 3,014 1,367 2,069 3,373 44 1,183 1,810 3,160 1,416 2,162 3,509 45 1,237 1,894 3,307 1,465 2,255 3,644 46 1,289 1,979 3,454 1,512 2,345 3,779 47 1,352 2,068 3,624 1,575 2,429 3,944 48 1,415 2,159 3,795 1,638 2,514 4,111 49 1,480 2,251 3,969 1,701 2,601 4,278

Male 男 Female 女

Age年齡

Plan計劃 1 Plan



計劃 350 1,544 2,343 4,145 1,765 2,686 4,445 51 1,609 2,436 4,324 1,827 2,772 4,612 52 1,679 2,556 4,526 1,910 2,932 4,842 53 1,750 2,678 4,731 1,994 3,093 5,074 54 1,820 2,801 4,940 2,078 3,254 5,305 55 1,892 2,925 5,149 2,163 3,416 5,538 56 1,963 3,046 5,358 2,245 3,578 5,766 57 2,058 3,215 5,638 2,321 3,739 5,995 58 2,154 3,382 5,919 2,397 3,899 6,221 59 2,248 3,551 6,199 2,473 4,059 6,448 60 2,323 3,687 6,425 2,572 4,258 6,734 61 2,374 3,783 6,584 2,670 4,454 7,022 62 2,482 3,977 6,905 2,842 4,696 7,427 63 2,628 4,234 7,336 3,043 4,988 7,911 64 2,775 4,491 7,768 3,168 5,152 8,193 65 2,921 4,748 8,198 3,293 5,316 8,475 66 3,066 5,004 8,622 3,412 5,476 8,752 67 3,244 5,309 9,133 3,541 5,757 9,171 68 3,420 5,614 9,643 3,670 6,037 9,591 69 3,596 5,918 10,154 3,798 6,318 10,010 70 3,773 6,224 10,664 3,926 6,598 10,431 71 3,946 6,529 11,174 4,050 6,875 10,846 72 4,094 6,774 11,593 4,203 7,134 11,254 73 4,243 7,020 12,013 4,356 7,392 11,662 74 4,392 7,266 12,432 4,510 7,651 12,069 75 4,542 7,511 12,852 4,664 7,909 12,477 76 4,685 7,753 13,270 4,812 8,167 12,879 77 5,036 8,335 14,265 5,172 8,780 13,845 78 5,388 8,916 15,260 5,533 9,392 14,811 79 5,739 9,498 16,255 5,894 10,005 15,777 80 6,090 10,079 17,250 6,255 10,617 16,743 81 6,442 10,661 18,246 6,616 11,230 17,709 82 6,793 11,242 19,241 6,977 11,842 18,675 83 7,144 11,824 20,236 7,338 12,455 19,641 84 7,496 12,405 21,231 7,698 13,067 20,607 85 7,613 12,599 21,563 7,819 13,272 20,929 86 7,730 12,793 21,895 7,939 13,476 21,251 87 7,847 12,987 22,227 8,059 13,680 21,573 88 7,964 13,180 22,558 8,180 13,884 21,895 89 8,081 13,374 22,890 8,300 14,088 22,217 90 8,198 13,568 23,222 8,420 14,293 22,539 91 8,316 13,762 23,554 8,540 14,497 22,861 92 8,433 13,956 23,885 8,661 14,701 23,183 93 8,550 14,150 24,217 8,781 14,905 23,505 94 8,667 14,343 24,549 8,901 15,109 23,827 95 8,784 14,537 24,881 9,022 15,313 24,149 96 8,901 14,731 25,212 9,142 15,518 24,471 97 9,018 14,925 25,544 9,262 15,722 24,793 98 9,135 15,119 25,876 9,382 15,926 25,115 99 9,252 15,313 26,207 9,503 16,130 25,437

The above table is for illustration purposes and applicable to Optional Supplementary Benefit attaching to SunHealth Medical Care - Basic Plan only.以上只作說明之用並只適用於在附加於永明貼心醫療保 - 基本計劃之自選額外保障。

Optional Supplementary Benefit 自選額外保障Annual Premium (HKD) - Basic Plan 每年保費（港元） - 基本計劃

Male 男 Female 女

Age年齡

Plan計劃 1 Plan



計劃 30 686 1,060 1,873 686 1,060 1,873 1 644 1,007 1,780 644 1,007 1,780 2 641 1,002 1,772 641 1,002 1,772 3 638 998 1,764 638 998 1,764 4 635 993 1,756 635 993 1,756 5 545 852 1,562 550 847 1,552 6 544 851 1,559 549 845 1,549 7 543 849 1,556 548 844 1,547 8 542 848 1,554 547 842 1,544 9 541 846 1,551 546 840 1,541 10 540 845 1,548 545 839 1,538 11 539 843 1,545 544 837 1,535 12 538 842 1,543 543 836 1,532 13 537 840 1,540 542 834 1,530 14 536 839 1,537 541 833 1,527 15 535 837 1,534 540 831 1,524 16 534 836 1,531 539 830 1,521 17 533 834 1,529 538 828 1,518 18 533 834 1,529 538 828 1,518 19 543 844 1,539 548 838 1,528 20 553 854 1,549 558 848 1,538 21 563 864 1,559 596 864 1,583 22 573 874 1,578 635 905 1,631 23 598 895 1,618 645 929 1,656 24 608 911 1,658 655 953 1,681 25 618 927 1,683 665 977 1,713 26 628 948 1,725 684 1,017 1,772 27 638 960 1,744 704 1,046 1,813 28 648 971 1,763 724 1,075 1,854 29 658 981 1,775 744 1,103 1,894 30 668 991 1,786 764 1,133 1,935 31 678 1,001 1,796 783 1,158 1,972 32 690 1,020 1,835 815 1,212 2,043 33 707 1,047 1,876 847 1,266 2,114 34 725 1,073 1,916 880 1,322 2,185 35 743 1,100 1,957 913 1,376 2,256 36 757 1,122 1,996 944 1,426 2,324 37 792 1,174 2,080 980 1,482 2,419 38 827 1,227 2,165 1,017 1,537 2,513 39 862 1,279 2,249 1,054 1,592 2,607 40 897 1,331 2,335 1,091 1,648 2,702 41 942 1,407 2,459 1,134 1,716 2,823 42 1,000 1,495 2,614 1,192 1,815 2,971 43 1,067 1,598 2,793 1,249 1,916 3,124 44 1,119 1,677 2,929 1,296 2,002 3,249 45 1,169 1,757 3,065 1,344 2,087 3,374 46 1,215 1,834 3,200 1,390 2,170 3,498 47 1,275 1,917 3,358 1,453 2,248 3,641 48 1,335 2,001 3,519 1,516 2,327 3,785 49 1,396 2,085 3,682 1,579 2,406 3,929

Male 男 Female 女

Age年齡

Plan計劃 1 Plan



計劃 350 1,458 2,171 3,845 1,642 2,486 4,074 51 1,518 2,256 4,006 1,704 2,560 4,218 52 1,592 2,367 4,194 1,775 2,712 4,426 53 1,668 2,478 4,385 1,848 2,863 4,634 54 1,744 2,591 4,576 1,921 3,016 4,843 55 1,821 2,706 4,771 1,994 3,168 5,052 56 1,895 2,821 4,963 2,064 3,322 5,261 57 1,982 2,976 5,222 2,139 3,471 5,473 58 2,068 3,132 5,480 2,213 3,621 5,686 59 2,154 3,286 5,740 2,287 3,770 5,896 60 2,222 3,412 5,948 2,382 3,955 6,163 61 2,267 3,503 6,098 2,477 4,140 6,433 62 2,362 3,684 6,393 2,613 4,355 6,784 63 2,495 3,923 6,792 2,778 4,615 7,206 64 2,628 4,164 7,191 2,871 4,759 7,444 65 2,761 4,402 7,589 2,966 4,901 7,681 66 2,891 4,636 7,984 3,054 5,039 7,918 67 3,058 4,919 8,456 3,179 5,305 8,342 68 3,226 5,201 8,930 3,306 5,571 8,768 69 3,392 5,484 9,403 3,431 5,837 9,193 70 3,559 5,767 9,877 3,558 6,104 9,617 71 3,720 6,044 10,348 3,683 6,368 10,042 72 3,858 6,268 10,729 3,820 6,604 10,414 73 3,996 6,492 11,112 3,957 6,839 10,784 74 4,134 6,715 11,494 4,093 7,074 11,156 75 4,272 6,938 11,876 4,229 7,309 11,527 76 4,408 7,159 12,257 4,363 7,544 11,896 77 4,738 7,696 13,176 4,690 8,109 12,788 78 5,069 8,233 14,095 5,018 8,675 13,680 79 5,399 8,770 15,015 5,345 9,241 14,572 80 5,730 9,307 15,934 5,672 9,807 15,464 81 6,060 9,844 16,853 5,999 10,373 16,356 82 6,391 10,381 17,772 6,327 10,938 17,249 83 6,722 10,918 18,692 6,654 11,504 18,141 84 7,052 11,455 19,611 6,981 12,070 19,033 85 7,162 11,634 19,917 7,090 12,258 19,330 86 7,273 11,813 20,224 7,199 12,447 19,628 87 7,383 11,992 20,530 7,308 12,636 19,925 88 7,493 12,171 20,837 7,417 12,824 20,222 89 7,603 12,350 21,143 7,526 13,013 20,520 90 7,713 12,529 21,449 7,635 13,201 20,817 91 7,823 12,708 21,756 7,745 13,390 21,115 92 7,934 12,887 22,062 7,854 13,579 21,412 93 8,044 13,066 22,369 7,963 13,767 21,709 94 8,154 13,245 22,675 8,072 13,956 22,007 95 8,264 13,424 22,982 8,181 14,144 22,304 96 8,374 13,602 23,288 8,290 14,333 22,601 97 8,485 13,781 23,594 8,399 14,522 22,899 98 8,595 13,960 23,901 8,508 14,710 23,196 99 8,705 14,139 24,207 8,617 14,899 23,494

The above table is for illustration purposes and applicable to Optional Supplementary Benefit attaching to SunHealth Medical Care - rider benefit only.以上只作說明之用並只適用於在附加於永明貼心醫療保 - 附加保障之自選額外保障。

Optional Supplementary Benefit 自選額外保障Annual Premium (HKD) - Rider Benefit 每年保費（港元） - 附加保障

The above table is for illustration purposes and applicable to Optional Female Benefit attaching to SunHealth Medical Care – rider benefit only.以上只作說明之用並只適用於在附加於永明貼心醫療保 - 附加保障之自選女性保障。

USD 1 = HKD 8 美元 1 = 港元 8RMB 1 = Approximately HKD 1.14 人民幣 1 = 約為港元 1.14

The above table is for illustration purposes and applicable to Optional Female Benefit attaching to SunHealth Medical Care - basic plan only.以上只作說明之用並只適用於在附加於永明貼心醫療保 — 基本計劃之自選女性保障。

Female 女Age年齡

Plan計劃 1 Plan

計劃 2 Plan計劃 3

18 432 512 634 19 432 512 634 20 432 512 634 21 432 512 643 22 435 516 653 23 437 521 664 24 439 526 674 25 440 530 684 26 440 534 690 27 445 541 699 28 450 547 708 29 454 554 718

Female 女Age年齡

Plan計劃 1 Plan


18 353 419 518 19 353 419 518 20 353 419 518 21 353 419 527 22 354 422 535 23 355 426 543 24 357 429 551 25 358 432 559 26 359 436 562 27 363 442 570 28 368 447 578 29 373 453 587

Female 女Age年齡

Plan計劃 1 Plan


30 459 561 727 31 461 565 733 32 467 576 748 33 473 588 762 34 478 599 777 35 484 611 792 36 489 618 803 37 496 629 822 38 503 641 842 39 509 652 861 40 516 664 881 41 523 673 896

Female 女Age年齡

Plan計劃 1 Plan


30 377 459 595 31 380 461 598 32 384 470 610 33 389 480 621 34 393 489 633 35 398 498 644 36 399 505 656 37 405 514 670 38 411 523 685 39 416 532 700 40 422 542 715 41 428 549 730

Female 女Age年齡

Plan計劃 1 Plan


42 534 689 920 43 544 705 944 44 554 721 968 45 565 737 992 46 573 753 1,012 47 584 771 1,047 48 597 790 1,080 49 607 811 1,122

Female 女Age年齡

Plan計劃 1 Plan


42 436 562 750 43 444 576 769 44 452 590 789 45 460 604 808 46 467 614 826 47 476 629 853 48 488 645 881 49 495 661 915

Remarks:1. The amounts shown in blue rows are only applicable to policy renewals.2. Premiums are not guaranteed and may be revised to reflect the prevailing policy experience (e.g. claim experience, medical inflation and benefit

changes over time). For details, please refer to your policy documents.3. SunHealth Medical Care-Premium Table is for reference only and is subject to change by Sun Life Hong Kong Limited (the “Company”) from time to

time.4. You may choose to pay your premiums in RMB and to receive benefits in HKD at an exchange rate determined by the Company from time to

time. Due to exchange rate fluctuations, there is a risk that RMB will depreciate or appreciate against HKD. You may be affected by such fluctuations if you choose to receive your benefits in a currency different from your payment currency.

5. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. You may have to allow time for conversion of RMB from/to another currency if your amount exceeds the applicable daily limit.

備注：1. 在藍色方格內之保費金額只適用於續保。2. 保費並非保證不變，及有可能因反映當時的保單經驗（例如賠償經驗、醫療費用上漲及保障改變而作出調整）。詳情請參閱保單文件。3. 永明貼心醫療保 - 保費表只供參考，並由香港永明金融有限公司（「永明金融」）不時作出變動。4. 如保單貨幣為人民幣，您可以選擇人民幣支付保費並以港元收取利益，而其匯率將不時由永明金融全權決定。由於匯率波動，人民幣兌港元

有可能貶值或漲值。若您選擇以不同於支付貨幣的貨幣收取賠償價值，您可能會受到匯率波動影響。5. 人民幣現時並非自由兌換貨幣，於香港之銀行兌換人民幣受若干條件限制。如兌換金額超過每日兌換限額，您可能需要一段時間方可將

人民幣兌換自 / 至另一種貨幣。

Optional Female Benefit 自選女性保障Annual Premium (HKD) - Basic Plan 每年保費（港元） - 基本計劃

Optional Female Benefit 自選女性保障Annual Premium (HKD) - Rider Benefit 每年保費（港元） - 附加保障


Client Service CentreG/F, Cheung Kei Center Tower B, No. 18 Hung Luen Road, Hunghom, Kowloon

Client Service Hotline: 2103 8928 Fax: 2103 8938 sunlife.com.hk

香港永明金融有限公司（於百慕達註冊成立之有限責任公司）客戶服務中心九龍紅磡紅鸞道18號祥祺中心 B 座地下客戶服務熱線：2103 8928 傳真：2103 8938 sunlife.com.hk

Notes: This supplementary information explains the non-guaranteed premiums of SunHealth Medical Care.註：此附加資料旨在解釋有關永明貼心醫療保之非保證保費。

With medical technology advances, the demands on medical services increase. This leads to increase in the costs of treatments. This may mean that as the costs increase, premiums also need to be adjusted. Below are illustrative examples of premium adjustment to SunHealth Medical Care1 for your reference.隨著醫療技術進步，醫療服務需求因而增加，治療成本亦隨之上升。保費亦有可能因成本上升而作出調整。

以下為永明貼心醫療保之保費調整1 說明例子以供參考。

Case Study 參考例子：

Insured : 35-year-old, non-smoking male Plan Name : SunHealth Medical Care - Plan 1受保人 : 35歲，男性，非吸煙計劃名稱 : 永明貼心醫療保 - 計劃1

Basic Plan 基本計劃

Age of Insured

受保人年齡

Current Annual Premiums (HKD)以現時準則計算之

每年保費(港元)

Illustrative Annual Premiums Following Adjustments1

調整後之預計每年保費說明1

Increase 5% Each Year每年向上調整5%

Increase 10% Each Year每年向上調整10%

35 2,271 2,271 2,271

36 2,322 2,438 2,554

37 2,415 2,663 2,922

38 2,510 2,906 3,341

39 2,604 3,165 3,813

40 2,699 3,445 4,347

Note: Figures in the above example are hypothetical and for illustrative purpose only.註：上述例子之數字純屬假設及僅供說明之用。1 Premiums (including Optional Supplementary Benefit and Optional Female Benefit, where applicable) are not guaranteed and may be revised

from time to time. The illustrative annual premium increases of 5% and 10% are for your reference only and not necessarily prediction of future annual premium increases.

1 保費（包括自選額外保障及自選女性保障，如適用）非保證不變，及有可能不時調整。保費調整說明向上調整5% 及10% 僅供參考，並不等於每年保費向上調整之預期。

9010

212

/01-

2020

A member of the Sun Life Financial group of companies.Head Office in Toronto, Canada.

Printed in January 2020Issued by Sun Life Hong Kong Limited

永明金融集團成員之一總公司設於加拿大多倫多

2020年1月編印由香港永明金融有限公司刊發

Supplementary Information to IllustratePremium Adjustment of SunHealth Medical Care永明貼心醫療保保費調整之附加資料

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