Accidental Death and Disablement (AD&D)

Group yearly renewable term plan

This may also be considered as a rider to Group Yearly Renewable Term Plan.

Sun Life Philippines shall pay to such Employee, if living, or to his beneficiary the corresponding percentage of the Accidental Death and Disablement Insurance in force for such loss on such date:


AD&D Benefits

Loss of %
Life 100%
Entire site of both eyes 100%
Both hands or feet 100%
One hand and one foot 100%
Either hand or foot and sight of one eye 100%
Arm at or above level 70%
Leg at or above knee 60%
One hand at or above wrist 50%
One foot at or above the ankle 50%
Hearing of both ears 50%
Sight of one eye 50%
Four fingers and thumb of one hand 50%
Four fingers 35%
Hearing of one ear 25%
All toes on one foot 25%
Thumb 15%
Index finger 10%
Middle finger 6%
Ring finger 5%
Big toe 5%
Little finger 4%
Metacarpais first or second (additional) 3%
Metacarpais third or fourth (additonal) 2%
Any toe other than big toe, each 1%


"LOSS" as used with reference to hand or foot shall also mean total and permanent loss of use. Loss of sight must be total and irrecoverable. Loss of hearing in both ears means the total and irrecoverable loss of hearing.

If the Employee shall sustain more than one of such losses as a result of one accident, payment of the amounts shown above shall be made only for that one loss for which the largest amount is payable. Losses sustained as a result of any subsequent accident shall be considered for payment separately from and independently of other losses sustained in a previous accident. The aggregate amount of all percentages payable under the Accidental Disablement Benefit with respect to any one or more accidents in any policy year shall not exceed 100%.

In any policy year, the amount of benefit payable for loss of life arising from independent, unrelated accident shall always be 100% of the Accidental Death and Disablement Insurance regardless of the amount(s) paid under the Accidental Disablement Benefit.

If an Employee has suffered the loss of one hand, one foot, or sight of one eye prior to the effective date of his insurance, the benefit of any subsequent loss of one hand, one foot, or sight of one eye shall be one-half of the Accidental Death and Disablement Insurance.

To enhance this plan, you can avail of the following riders:

  1. Medical Reimbursement (MR) - - Provides reimbursement of expenses for accident related medical treatment incurred within the Philippines.
  2. Burial Benefit - - Provides additional indemnity to take care of burial expenses for accident related death.