Peace of mind for your health and your family's future
A hospital stay can be financially challenging, but Sun First AidPlus helps you stay prepared. It provides fixed daily cash benefits during hospital and/or ICU confinement, plus added cash support in case of surgery, helping you manage unexpected expenses when you need it most.
It also comes with life insurance protection that can help support your family should anything happen to you. But if you outlive the coverage period, you may get back a portion of your payment, giving you added value. Apply easily with no medical exams required!
Receive fixed cash benefit for each day of hospital and/or ICU confinement
Get additional cash as financial support in case of surgery
Financial security for your family
Enjoy life insurance coverage to secure your loved ones' future
Provide your beneficiary an amount equal to all premiums you've paid, or twice that amount for accidental death
Coverage that continues through disability
Worry less with waived payments in case of total and permanent disability
Enjoy continued coverage without the burden of payment
Money-back guarantee
Get guaranteed return of up to 75% of your total payments when you outlive the 10-year protection period
How it could help
Here are sample scenarios illustrating Sun First Aid Plus’s impact.
Maria’s hospital emergency plan
Maria, age 38, works in finance and supports her two children. Last year, her father had emergency surgery requiring a week-long ICU stay. The hospital bills totaled much more than expected, and her family's savings took a hit.
Maria realized she needed protection against such emergencies. She got Sun First Aid Plus and will receive a fixed daily cash benefit if she needs hospitalization.
The daily benefit means she can focus on recovery instead of worrying about bills, while the life insurance component reassures her that if something happens to her, her kids won't suffer financially.
Anthony’s business owner safety net
Anthony, age 45, runs his own business and worries about what will happen to his family if he becomes seriously ill or passes away. With irregular income and no traditional employer benefits, he needed a safety net, so he got Sun First Aid Plus.
Sun First Aid Plus will provide him with a fixed daily cash benefit in case of hospitalization and life insurance protection equal to the total payments he made. Plus, if he's unable to work due to disability, his premiums are waived - so his family's financial protection continues.
After all, it's not just about him anymore, it's about making sure his wife and kids are secure.
Camille’s pre-retirement focus
At 52, Camille is approaching retirement and wants to protect both her health and her accumulated savings.
She availed of Sun First Aid Plus and appreciates how the money-back feature will allow her to get back up to 75% of what she paid for when her plan reaches maturity on her policy’s 10th anniversary. This gives her dual benefits: hospitalization benefit during her active years and a financial return to boost her retirement nest egg.
For Camille, it's reassuring to have a plan that protects her now and rewards her later.
Your questions answered
1. What is Sun First Aid Plus?
Sun First Aid Plus is a hospital income benefit plan that pays you a fixed daily cash benefit if you are hospitalized, while also providing life insurance protection for your family’s financial security. It also comes with a money-back feature, which allows you to get back a portion of your total payments should you outlive the 10-year protection period.
2. How much daily cash benefit will I receive?
The daily cash benefit amount depends on the specific plan you will choose. Your Sun Life financial advisor can help you select the right amount for your needs.
3. What hospital situations are covered?
Coverage includes hospital and/or ICU (Intensive Care Unit) confinement, long-term hospitalization, and surgery (subject to the schedule of surgical benefits).
4. What if I pass away in an accident, what benefit will my loved ones receive?
If you pass away in an accident, the life insurance protection benefit will double. Your beneficiary/ies will receive the death benefit and the accidental death benefit, each equal to the total premiums you paid.
Yes, you can avail of the fixed daily cash benefit no matter which hospital you may be confined in.
7. What if I have pre-existing conditions?
You may still be covered if you are free of medical advice or treatment for the pre-existing conditions for 12 consecutive months. It’s best to talk to your Sun Life financial advisor, who can explain what conditions are covered.
8. Is medical underwriting required?
No, medical exams aren’t required and the application process is straightforward. You just need to answer a few simple questions to know if you are eligible for this product or not. Your Sun Life financial advisor will guide you through this process.
9. What is the money-back guarantee feature?
Sun First Aid Plus guarantees the return of up to 75% of the total payments you have made initially if you outlive the 10-year protection period.
Note: If there is any difference between the information here and your actual insurance policy, the policy terms will prevail.
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Accidental Death Benefit is available for insured age of 0 - 65 years
Total Disability Benefit is available for insured age of 18 - 55 years
Critical Illness Benefit is available for insured age of 18 - 60 years
Hospital Income Benefit is available for insured age of 18 - 55 years
Calculated coverage should not be less than or greater than
The above illustration uses the following assumption:
Life Insurance Face Amount: PHP 5,000
Premium Payment Period: Annually
Coverage Period: until age 70
The example above is for illustration purposes only, based on the details you entered. The calculation does not include any taxes or other charges that may be imposed, and all data contained herein is subject to change without notice.
Please note that this information should not be construed as an offer to sell or solicitation to buy any financial product. A Sun Life Financial Advisor can help customize a plan for you based on your financial situation.
Benefits indicated in this material are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance policy contract.
