- Life insurance protection up to age 100
- Death benefit based on the policy's face amount
Health protection for you, a brighter future for your family
Working abroad brings you closer to your dreams for your family. But as you care for their future, your health deserves care too.
Meet Sun Life OFW Health Protect, a health insurance plan designed for Overseas Filipino Workers like you. With benefits for prevention, diagnosis, treatment, and rehabilitation along with life insurance protection, it helps you prepare for life’s uncertainties while you support loved ones back home. After all, the brighter future you’re building should also include yours.
Key benefits
Protect your family's future
Health protection for critical illnesses
- Protection against 100+ covered critical illnesses across minor and major stages.
- Additional benefit for specific cancers
Prevention and wellness support
- Access to your choice of prevention and wellness benefit for 5 years, starting on the 2nd year
- Avail any of annual physical examination, flu or pneumonia vaccination, or up to seven teleconsultations
Support during treatment
- Daily hospital income benefit
- Post hospitalization benefit
Recovery and rehabilitation assistance
- Home recovery benefit
- Palliative care benefit
Cash benefits for later years
- As early as age 65, receive 5% of the policy’s original Face Amount yearly for eight consecutive years
- Earn special bonus and potential dividends, which are not guaranteed
How it could help
Here are sample scenarios illustrating Sun Life OFW Health Protect’s impact.
Roberto, 35, an OFW supporting his family in the Philippines
For Roberto, a technician in the Middle East, working abroad means building a better future for his spouse and two children. He sends most of his earnings home, but he is worried about how a serious illness could affect him and his loved ones who count on him.
With Sun Life OFW Health Protect, he has support for staying well through benefits such as teleconsultations and health screenings. If a covered critical illness strikes, cash benefits can help with medical and recovery expenses. The plan also provides life insurance protection to help safeguard his family’s future.
With protection for himself, Roberto can focus on the dreams that brought him abroad—and the loved ones waiting back home.
Maria, 42, a caregiver planning for her family's future
Maria has spent years working overseas to support her children through school and help her aging parents. With her family counting on her, she wants to be prepared in case a serious illness strikes.
She finds peace of mind with Sun Life OFW Health Protect, which offers protection against more than 100 covered critical illness conditions, with benefits to help during hospitalization and recovery at home. If she remains healthy and well, life insurance protection helps safeguard her family’s future.
Maria also looks forward to guaranteed cash benefits starting at age 65 to help support her retirement. These advance a portion of her coverage, and can help support her needs during retirement.
John and Liza, 30, parents who are planning for their child
For John and Liza, working abroad is about opening doors for their young son. Alongside saving for his future, they want him to have support if a serious illness gets in the way.
They choose a separate Sun Life OFW Health Protect plan for him, with coverage for critical illness and benefits to help with treatment and recovery. The plan also offers life insurance protection and, subject to its terms, guaranteed cash benefits.
John and Liza see this as another way to care for their son, not just for today, but for the life he has ahead of him.
Your questions answered
1. What is Sun Life OFW Health Protect?
Sun Life OFW Health Protect is a health and life insurance plan designed for Overseas Filipino Workers (OFWs). It offers critical illness coverage, prevention and wellness benefits, and financial support for treatment and recovery.
2. Who can apply for Sun Life OFW Health Protect?
OFWs may apply for Sun Life OFW Health Protect and may also purchase separate policies for eligible dependents. Applications are subject to age limits and underwriting requirements.
3. Can I apply for a Sun Life OFW Health Protect while I am overseas?
You will need to be physically present in the Philippines to apply for Sun Life OFW Health Protect. If you’re currently abroad, you can plan to apply during your next visit home. A Sun Life advisor can guide you through the requirements so you know what to prepare.
4. What health conditions are covered?
Sun Life OFW Health Protect covers more than 100 critical illness conditions across minor and major stages. It also provides an additional benefit for certain covered cancer conditions. You may consult with a Sun Life advisor for a detailed list.
5. What prevention and wellness benefits can I use, and when?
You may choose one prevention and wellness benefit option each policy year, from your second through sixth policy year. Options include an annual physical examination, a flu or pneumonia vaccination, or up to seven teleconsultations with a general practitioner. Services are available through Sun Life’s appointed providers, subject to benefit guidelines. Available options may change over time.
6. Does the plan provide life insurance?
Yes. Sun Life OFW Health Protect includes life insurance protection until age 100, subject to the amount of the policy remaining in force.
7. Are there benefits for treatment and recovery?
Yes. The plan provides additional cash benefits for hospitalization related to a covered critical illness, post-hospitalization, home recovery, and palliative care.
8. When do the guaranteed cash benefits start?
Guaranteed cash benefit payout begins as early as age 65. The plan makes an advance payment equal to 5% of your policy’s original Face Amount each year for eight consecutive years. These payments are advances from your coverage, not additional coverage.
9. Are the special bonuses and dividend earnings guaranteed?
No, special paid-up bonuses and dividends are not guaranteed.
10. How long do I pay, and what payment options are available?
The payment periods available are:
- 10 years
- 15 years
- 20 years
For payment frequencies, you may choose from:
- Annual
- Semi-annual
- Quarterly
- Monthly
11. Can I claim if I am diagnosed or treated abroad?
Yes. You may file a claim even if you are diagnosed or treated while you are abroad.
You may file a claim through the My Sunlife PH mobile app, Sunlife website, or by sending an email to PHIL_Claims@sunlife.com.
Note: If there is any difference between the information here and your actual insurance policy, the policy terms will prevail.