Sun Life OFW Health Protect

For first-time OFWs, seasoned OFWs, and retiring OFWs.

A health insurance plan for overseas Filipinos

Sun Life OFW Health Protect is a comprehensive life and health protection plan tailored for the evolving health protection needs of OFWs like you! As an Overseas Filipino Worker (OFW), your hard work and sacrifices for your loved ones deserve the best protection for your health and well-being.

Be well-protected against critical illnesses and hospitalization. Enjoy your golden years worry-free with an OFW health insurance with guaranteed cash benefits.

See product brochure for more details

Sun Life OFW Health Protect explainer video

Sunlife OFW Insurance Highlights

Prevention and wellness benefits

Avail of an OFW insurance with any one of the three preventive health care benefits* starting on the 2nd policy year up to the 6th policy year.1

*You may refer to the Sun Life OFW Health Protect Client Guide for more details.

Comprehensive critical illness benefit

Receive cash benefits upon diagnosis2 of any of the covered 100+ critical illness conditions across minor and major stages.

Life insurance until age 100

Protect your family back home with guaranteed life insurance coverage equal to your policy's Face Amount.3

Benefit booster

Get 50% more from your OFW health insurance coverage upon first diagnosis of any of the covered specific cancer conditions.

Benefits for treatment and recovery

Get additional cash benefits for medical treatment and home recovery.

Guaranteed cash benefits

Receive in advance a portion of your OFW health insurance coverage that you can enjoy when you retire home for good.

Additional features

Pay your premiums over 10,15, or 20 years through an Annual, Semi-Annual, Quarterly or Monthly5 payment schedule. You may also choose to pay in 3, 6, 9, or 12 monthly installments6  to align with your overseas work contract. 

Enjoy a one-time special bonus and yearly dividend earnings that you may receive in cash or leave with Sun Life to grow further.

As early as age 65, receive in advance 5% of your policy's Face Amount for 8 consecutive years. This allows you to make the most of your hard-earned savings and enjoy a comfortable retirement.

' The prevention and wellness benefits are subject to regular review and may change over time depending on availability of relevant programs, tests, or procedures.
² Diagnosis of critical condition and any surgery performed related to such condition must be aligned with the definitions indicated in the insurance policy contract.
³ Benefits may be reduced by any amount previously paid for Minor Critical Illness Benefit and/or Anticipated Endowments.

⁴ Special "paid-up" bonus and dividend earnings are not guaranteed.

⁵ Monthly payment through Auto-Debit or Auto-Charge may also be arranged after payment of the initial quarterly premium.

⁶ Subject to Advance Premium Option (APO)

Note: Benefits indicated in this material are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance policy contract. This product is subject to exclusions and/or provisions on pre-existing conditions and gives you the right to a cooling-off period, as stated in the insurance policy contract. Overseas Filipino clients may avail of Sun Life solutions while they are physically present in the Philippines.

The health insurance plan you deserve

Sun Life OFW Health Protect keeps you protected no matter where life takes you, all the way to age 100.

You can also extend this care to your loved ones by availing a separate plan for them. With Sun Life OFW Health Protect's "life stage protection" feature, it helps ensure that your dependents can get the best care possible should an illness strike.

I want to learn more

Tools and calculators

Education budget calculator

Use the Sun Life Education Budget Calculator to know the potential cost of your child’s university tuition.

Duration: About 2 min.

Health and wellness planner

Learn about medical expenses and how you can properly prepare for these.

Duration: About 2 min.

Inflation calculator

Compute for how much you will need to set aside to afford the future cost of your goal.

Duration: About 2 min.