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SunHealth Cancer Shield

Last checked

At a glance

Insurer
Sun Life Hong Kong Limited
Product category
Critical illness
Policy currencies
HKD / USD
Premium payment terms
To age 100
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 65 years
Age basis: Not confirmed
  • Lump-sum payment for covered cancer
  • Monthly living benefit for 24 consecutive months
  • Genetic profiling test reimbursement, subject to approval and limits
Ask a licensed broker about this productCompare with similar plans

Decision sheet

8 of 12 known · 4 not published
What it pays and when

Benefit term: To age 100Public source · Checked:

Recorded features: Lump-sum payment for covered cancer / Monthly living benefit for 24 consecutive months / Genetic profiling test reimbursement, subject to approval and limitsPublic source · Checked: Public source · Checked:

Benefit limits

Plans 1/2: major cancer lump sums HKD1 million/2 million; monthly living benefits HKD10,000/20,000 for 24 months. Maximum total benefit is HKD1.5 million/2.95 million respectively, subject to benefit terms.Public source · Checked:

Premium and payment term

Premium payment terms: To age 100Public source · Checked:

How premiums can change

Premiums are expected to rise with age and may be reviewed at anniversaries for groups with similar risk profiles. Actual and expected claim costs and allocated expenses are review factors.Public source · Checked:

Guaranteed / non-guaranteed
not published
Waiting periods

Non-death benefits exclude illness/cancer symptoms first occurring within 90 days after the latest issue, effective or reinstatement date, and death within 14 days after diagnosis.Public source · Checked:

Main exclusions

Examples for non-death benefits: deliberate self-harm and criminal acts. Other exclusions and benefit-specific exceptions apply; see the complete list.Public source · Checked:

Surrender / cancellation
not published
Cooling-off

The insurer must receive your signed written cancellation request within 21 calendar days after delivery of the policy or cooling-off notice to you or your representative, whichever is earlier. Premiums and levy are refunded only if no policy payment has been made before the request.Public source · Checked:

Riders
not published
Claims steps

Insurer claims guide · Critical illness

Critical illness — Steps: Owner and insured sign the CI form; obtain the applicable physician statement and submit evidence.Public source · Checked:

Critical illness — Required documents: Owner ID, original receipts / hospital statement, doctor’s statement and relevant discharge, referral and diagnostic reports.Public source · Checked:

Critical illness — Deadlines / notification: Submit within 90 days of diagnosis.Public source · Checked:

Critical illness — Submission channels: In person or by mail to the Client Service Centre.Public source · Checked:

Critical illness — Payment methods: Premium autopay bank account, FPS or cheque by mail / advisor.Public source · Checked:

Critical illness — Assessment / payment timing: 7 working days to the first pending notice / result; documents, complexity and medical-provider responses affect actual time.Public source · Checked:

Covered conditions / definitions
not published

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (6)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What are the cancellation terms and any surrender value or charges?
  2. Which riders are available, and what are their costs and terms?
  3. Which illnesses are covered, and how are they defined?
  4. Can you provide the key facts statement and policy provisions for this product?
  5. What is the cooling-off period, and how do I cancel during it?
  6. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Matching goals and segments (by product type)

Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Critical illness

Source 3
Policy currencies

HKD / USD

Source 3
Premium payment terms

To age 100

Source 3
Benefit term

To age 100

Source 3
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 65 years
Age basis: Not confirmed
Source 3
Recorded features

Lump-sum payment for covered cancer

Monthly living benefit for 24 consecutive months

Genetic profiling test reimbursement, subject to approval and limits

Source 2Source 3
Sales status

On sale (at source date)

Source 1
Names in other languages
English
SunHealth Cancer Shield
繁體中文
永明癌症護您保
简体中文
永明癌症护您保

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

  1. Individual catalogue: published name and listed sale status; null fields not confirmed

    Source date: Not confirmed
    Checked:

  2. Official product page: product description and features

    Source date: Not confirmed
    Checked:

  3. Official product brochure: basic plan terms (not rider terms)

    Source date: Not confirmed / Page: 8
    Checked:

  4. Insurer-published zh-hant product name: 永明癌症護您保

    Source date: Not confirmed
    Checked:

  5. Insurer-published zh-hans product name: 永明癌症护您保

    Source date: Not confirmed
    Checked:

Related pages

Information, not advice; we refer to a licensed Hong Kong broker.