A New Generation Wellness Product!
Sun Life's Sun Fit and Well Advantage is one of the most comprehensive heath insurance products in the market! It is considered the New Generation Wellness Product, giving you the benefits from prevention, diagnosis, treatment, and rehabilitation until Age 100.
Protect your health and your hard-earned money by getting a health insurance!
Here are the benefits at a glance:
1. Health and Wellness Benefits
Get access to a Go Well Community that will help you stay healthy and lessen the risk of getting seriously ill!
2. Coverage for 100+ Critical Illnesses
Get 100% of the Face Amount, less any previous claims for Minor Critical Illnesses. For minor critical illnesses, you can claim up to a maximum of 3 times, provided it comes from a different illness group; get 20% of the Face Amount for the first two claims and 10% on the 3rd claim. (For Angioplasty, however, regardless if it was in the first two claims, only 10% may be claimed). Coverage is until Age 100!
3. Booster Benefit for specific cancer conditions
Get additional 50% of the Face Amount if you get diagnosed with a specific cancer condition.
4. Hospital Income Benefit (embedded)
Get a fixed amount for every day of hospitalization due to a Critical Illness up to 90 days. This benefit is meant to help replace the lost income due to getting confined. If you get confined in the ICU, you get double the amount.
5. Post-Hospitalization Benefit
Upon getting discharged, you get a fixed Php 5,000! It's like a reward for finally getting discharged from the hospital. Of course, it's best to use this for whatever post-hospitalization needs you may have.
6. Advance on your coverage through endowment during your golden years
Get 5% of the Face Amount in advance when you reach 65 years old, every year for 8 consecutive years. You can leave this with Sun Life to accumulate, or withdraw it as a reward for staying healthy.
7. Additional cash benefits for treatment and recovery / Home Recovery Benefit
Once discharged from the hospital, you get half of the total amount you received as Hospital Income Benefit, as additional cash benefit for treatment and recovery / home recovery benefit. If the critical illness was one of the specific cancers, you get additional 50% of cash benefit. Use this amount for further needs such as outpatient services/check-ups, or for medication needs.
8. Dividends and Special Paid-Up Bonus
After the paying period, you will receive a special paid-up bonus, as well as annual dividends! These benefits make it exciting as this is on top of the guaranteed cash value! When accumulated, the benefits will far exceed the premiums paid, as good as a money-back guarantee with bonuses!
Think of it as another source of funds for illnesses not considered critical, or better yet as a reward for staying healthy, which you can use however you like!
9. Life insurance protection
The face amount for critical illness will be equivalent to the life insurance protection, less any prior claims for minor critical illnesses and endowment. So upon death, your beneficiaries will receive that guaranteed amount, plus any remaining dividends and bonuses.
10. Palliative Care Benefit
If the insured gets diagnosed with a terminal illness, he/she can advance 10% of the face amount.
Below is a sample illustration of a Sun Fit and Well Advantage 20, based on a Female, Non-Smoker, with Php 300k Face Amount and riders (or additional benefits) of Php1,000/day Hospital Income Benefit (on top of the embedded HIB) and Total Disability Benefit.
Note: premiums are computed with a modal factor; different modes and payment options are available (e.g. monthly/quarterly/semi-annual/annual via monthly salary deduction, auto-debit/charge, over the counter, etc.)
Just a tip, if you have a diagnosed critical illness already, it will be more challenging to get insured. Hence, keep this in mind:
The best time to get insured is while you don't need it yet.
The younger and healthier you are, the better time (and not to mention more affordable!) to buy that health insurance policy.
Read about Sun Fit and Well on Sun Life's website here
Questions? Leave a comment below!
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Talk to a licensed Financial Advisor and get a customized proposal.
Send me a message at lawreanne.e.sanico@sunlife.com.ph!
If you were part of one of our recent caravans, I will connect you to your resident advisor.
Note: The ideas reflected in this article are the writer’s own opinions and do not reflect the official stand of the company.
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