14/07/2020
Hindi natin alam kung kailan aatake ang sakit at hindi biro ang magkasakit lalo na kung ito ay cancer, heart attack, kidney related problems or stroke at iba pang nakamamatay na sakit. Dahil dito highly recommended ko ang Sun Fit and Well Advantage. Dahil kung hindi nagkasakit at hindi nagamit ang plan, meron ka pa rin makukuha na cash benefits. So HINDI PO NASAYANG ang plan, kumita ka pa.
Ano ang mga benefits:
1. Comprehensive Critical Illness Benefit
Sun Fit and Well health insurance provides coverage from 64 Major Critical Illnesses, 34 Minor Critical Illnesses and 16 Specific Cancer for a total of 114 critical illnesses. Specific Cancer Booster benefit gives an additional 50% of the Face Amount to the insured in case of diagnosis of cancer-related illness.
2. Hospitalization Benefits
In case of diagnosis from the critical illnesses, you can claim 0.125% of the Face Amount for Hospital Income Benefit (HIB) which will be multiplied by the number of days you’ve been confined. You also get a fixed amount of Post Hospitalization Benefit to be used for follow up check-ups.
3. Home Recovery Benefit
This is an additional fund that you can claim upon discharge which is equivalent to 50% of HIB multiplied also by the number of days you’ve been confined.
Worst case scenario wherein the insured became terminally ill having a life expectancy of 6 months or less, a Palliative Care Benefit of 10% of the original Face Amount will be given additionally to the insured.
4. Life Insurance Coverage
Sun Fit and Well provides a guaranteed life insurance coverage until age 100 in case no major critical illness claim has been made from the plan. It is equivalent to the original face amount plus cash benefits, less minor critical illness claims if any.
5. Guaranteed Cash Benefits
For eight consecutive years starting at age 65, you have the option to get 5% of the original Face Amount in advance which serves as your guaranteed steady income during retirement. For example sa 1M coverage meron kang makukuha na P50,000 per year starting age 65 until age 73, a total of P400,000 guaranteed cash.
Aside from that, meron pang Special Paid Up Bonuses* at the end of premium paying period and Annual Dividend earnings* na pwede iwithdraw anytime. You also have the option to just leave it with Sun Life to accumulate.
*Special Paid Up Bonus and Dividend earnings are not guaranteed.
6. Product and Payment options
You can choose from the three variants of Sun Fit and Well health plans (Sun Fit and Well, Sun Fit and Well Plus and Sun Fit and Well Advantage). I highly recommend to get the Advantage plan.
7. Limited Paying Period
Ang ibang plan, lifetime payment pero ang Sun Fit and Well, you have to pay it for a limited period of time only. You have the options to pay for:
👉10 years
👉15 years
👉20 years
8. Special Access to Wellness Programs
Aside from providing life and health protection, Sun Life helps our valued clients live healthier lives. Once you avail Sun Fit and Well life insurance, you are automatically a GoWell GOLD member.
GoWell is a wellness advocacy program of Sun Life where you can receive health and wellness contents, invites to community workouts like Zumba and yoga, receive perks and privileges, and have the opportunity to meet like-minded individuals who also promote healthy living.
Interested?🙂