SunWell Advanced Care

Benefit term: Whole life / Individual benefits have age limits; see brochure.Public source · Checked: 12 Oct 2026

Recorded features: 188 illnesses and 38 designated complex surgeries / Up to 3 claims for cancer, heart attack or stroke, subject to conditions / Coverage reload after eligible early-stage or juvenile illness claimsPublic source · Checked: 12 Oct 2026Public source · Checked: 12 Oct 2026

Premium payment terms: 10 years / 15 years / 20 years / 25 yearsPublic source · Checked: 12 Oct 2026

Basic-plan premiums are not expected to rise with age, but may be revised at policy anniversaries for groups with similar risk profiles. Review factors include actual and expected claim costs, expenses, investment performance and surrender experience.Public source · Checked: 13 Oct 2026

The guaranteed cash value schedule is zero before the tenth policy anniversary and varies by paid-premium timing and payment term. After the major-stage critical illness or Complex Surgery SafetyNet Benefit is paid or payable, no guaranteed cash value remains payable. Riders have no guaranteed cash value.Public source · Checked: 13 Oct 2026

Specified major-stage, early-stage, juvenile and complex-surgery benefits have a 60-day wait from policy issue, except accident-caused conditions. Repeat major-illness rules: one year between different groups or repeat stroke/heart attack; one year for a different cancer and three years for persistent, recurrent or metastatic cancer. No interval between different diagnoses of cancer, stroke and heart attack.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Early termination may return substantially less than the premiums paid.Public source · Checked: 13 Oct 2026

Surrender value is guaranteed cash value plus the cash value of any Special Bonus, minus early-stage critical illness/juvenile benefits already paid and outstanding loans with interest.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

Optional riders include CI Protector Plus and Death Coverage Reload; these must be selected with the basic plan at application and use its premium payment term. Accident, hospital income, term life and other listed riders are also available, subject to their terms.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Critical illness — Required documents: Owner ID, original receipts / hospital statement, doctor’s statement and relevant discharge, referral and diagnostic reports.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Submit within 90 days of diagnosis.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: In person or by mail to the Client Service Centre.Public source · Checked: 13 Oct 2026

Critical illness — Payment methods: Premium autopay bank account, FPS or cheque by mail / advisor.Public source · Checked: 13 Oct 2026

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: 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