Stand-by-you Accident Protection Plan

Benefit term: To age 80Public source · Checked: 12 Oct 2026

Recorded features: Four levels of accident protection / Recovery treatment subsidy, subject to limits / Medical expense reimbursement within 365 days of an accidentPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Accidental hospital/ICU cash is capped at 90 days per accident; Daily Hospital Cash at 90 days per PHEIC-illness diagnosis. The policy ends when accidental death/dismemberment, major burn, permanent total disability and broken-bone benefits together reach 100% of the sum assured.Public source · Checked: 13 Oct 2026

Premium payment terms: Renewable / Yearly renewal; premiums are not guaranteed.Public source · Checked: 12 Oct 2026

Accident cover starts after policy issue. Daily Hospital Cash starts 30 days after the latest issue or reinstatement date.Public source · Checked: 13 Oct 2026

Examples for non-compassionate-death benefits: professional sport, diving deeper than 40 metres, sport above 5,000 metres and parkour. Other exclusions and benefit-specific exceptions apply; see the complete list.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Insurer claims guide · Accident

Accident — Required documents: Accident form, doctor’s Part II, owner ID if not on file, receipts for reimbursement and relevant diagnostic / referral evidence.Public source · Checked: 13 Oct 2026

Accident — Deadlines / notification: Submit within 90 days of the accident.Public source · Checked: 13 Oct 2026

Accident — Submission channels: Advisor or post to the Client Service Centre; eligible cases can use My Sun Life HK eClaims.Public source · Checked: 13 Oct 2026

Policy servicing from abroad: if the My Sun Life HK app is unavailable overseas or in mainland China, view policy details via its web version.Public source · Checked: 13 Oct 2026

The page does not confirm that every policy change is available from abroad.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026