Hospital Income Insurance Plan
Last checked
At a glance
- Insurer
- Sun Life Hong Kong Limited
- Product category
- Other
- Policy currencies
- HKD
- Premium payment terms
- To age 65
- Issue ages & basis
Issue ages & basis (1)
Issue ages & basis Recorded information Premium payment terms / Age basis 0 years to 59 years
Age basis: Not confirmed
- Fixed daily hospital cash benefit
- Up to 1,000 hospital days per disability
- Three plan levels
Decision sheet
7 of 11 known · 4 not published
- What it pays and when
Benefit term: To age 65 / Renewal is not guaranteed.Public source · Checked:
Recorded features: Fixed daily hospital cash benefit / Up to 1,000 hospital days per disability / Three plan levelsPublic source · Checked: Public source · Checked:
- Benefit limits
Basic-plan daily cash is HKD500/750/1,000 for Plans 1/2/3, capped at 1,000 days per disability and HKD500,000/750,000/1,000,000 respectively.Public source · Checked: Public source · Checked:
- Premium and payment term
Premium payment terms: To age 65Public 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
Illness symptoms first occurring within 30 days after the latest effective, issue or reinstatement date are excluded. Tonsil, adenoid, hernia or female reproductive-organ treatment requires 120 days of continuous cover immediately before treatment.Public source · Checked:
- Main exclusions
- not published
- 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
Available as a basic plan or as a rider attached to designated basic plans, subject to the rider terms.Public source · Checked:
- Claims steps
- 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.
- What exclusions apply?
- What are the cancellation terms and any surrender value or charges?
- What are the claim steps, documents and deadlines?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- 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.
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information | ||||
|---|---|---|---|---|---|
| Product category | Other | ||||
| Policy currencies | HKD | ||||
| Premium payment terms | To age 65 | ||||
| Benefit term | To age 65 / Renewal is not guaranteed. | ||||
| Issue ages & basis |
| ||||
| Recorded features | Fixed daily hospital cash benefit Up to 1,000 hospital days per disability Three plan levels | ||||
| Sales status | On sale (at source date) |
Names in other languages
- English
- Hospital Income Insurance Plan
- 繁體中文
- 住院入息保障計劃
- 简体中文
- 住院入息保障计划
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- Individual catalogue: published name and listed sale status; null fields not confirmed
Source date: Not confirmed
Checked: - Official product page: product description and features
Source date: Not confirmed
Checked: - Official product brochure: basic plan terms (not rider terms)
Source date: Not confirmed / Page: 3
Checked: - Insurer-published zh-hant product name: 住院入息保障計劃
Source date: Not confirmed
Checked: - Insurer-published zh-hans product name: 住院入息保障计划
Source date: Not confirmed
Checked: