サン・ライフ社の保障性の高い重病保障保険「サン・ヘルス」のメリット重病保障保険

  • がん・急性心筋梗塞・脳卒中・糖尿病を含む132種類の重要疾患をカバー
  • 65才まで加入が可能で100才まで保障が継続、45才以下はUS$30万まで健康診断不要
  • 対象疾患の軽度の病歴があっても加入できる
  • 疾病だけでなく死亡時にも保険金がでたり、貯蓄性があることも特徴

サン・ライフ社が提供しているサン・ヘルスは、保険の種別として英語でCritical Illness Insuranceクリティカル イルネス インシュアランス、単にC.I.言われているもので直訳すると重病保障保険となります。

日本では重病に備える保険として、入院したら1日何円、癌にはがん保険など指定の重病を患うと何円というように、様々な内容を一つの保険プランにまとめている場合が多いですが、この香港の重病保障保険では予め決められた多種多様な病気に該当すると、一括でまとまった給付金を患者本人やその家族である受取人に、支払われることになります。また、使途は当然制限されていなく、その給付金は何に使ってもかまわず、保険適用外の先進医療の高額な支出に備える方もいらっしゃいます。

医療保険が入院費とその他医療費の助けとなるかもしれませんが、重病患者の場合回復経過中には仕事ができず、収入の損失や個人や家族の生活費を捻出するのが、往々にして難しくなります。万一の時のために、オフショア香港で重病保障保険に加入していると、重い病いが発生した「その時」には外貨建ての保障を受け取り健康を取り戻すべく、収入面の不安を解決してくれるでしょう。

サン・ヘルスのUltraウルトラ&Maxiマキシ Careケア  全護と至尊

サンヘルスSunHealthサンヘルスを構成する2通りのサービスタイプ、UltraCareウルトラ ケア(全護)とMaxiCareマキシ ケア(至尊)の両者ともに132種類にも及ぶ病気をカバーしてくれます。

132種(62種の重要疾患 + 61種の早期性重要疾患 + 9種の児童重要疾患)を総合的にカバーする以外に、さらに終身の貯蓄性が備わっているプランです。
さらに、永明的危疾保障涵蓋多種潛在危疾,確保您時刻得到最佳保障。您可於確診任何危疾後獲得一筆過相等於現有保障額之100%5的賠償,或於確診早期危疾或兒童疾病時,獲得預支相等於計劃原有保障額之25%6的賠償。

UltraCareウルトラ ケア(全護) 保障額の300%までカバー

ウルトラケア終身200%の保障が確保されているほか、10年以内の発生の場合には追加で半分の100%がプラスされ保障額の3倍である合計300%まで、保証されることになります。

つまり、保障額の3倍である最高300%=200%+100%の給付を受けられるプラン、UltraCareウルトラ ケア(全護)。

UltraCareウルトラ ケアでの具体例

性別と名前: 女性Mrs. B
年齢: 35才
保障額の最高3倍(300%)を給付されるUltraCareウルトラ ケア(全護)を選択。
保障額: 50万香港ドルで設定して契約
保険料払い込み期間: 20年
保険料年間払い込み金額: 15,270香港ドル(月々1,349香港ドル)
保険料払い込み予定総額: 20年×15,270香港ドル=305,400香港ドル
給付金額の受け取り合計: 43才まで合計1,250,000香港ドルの給付を獲得、当該シュミレーションは以下、年齢や病歴の条件で計算しました。

年齢 保障回数 病状
適応項目(割合%)
保障グループ
保障金額
契約5年目の40才 初めての保障 Mrs.Bさん体調がすぐれなく医者の診断を経て、冠状動脈の一つが50%狭窄しており、直ちに血管形成手術 37.5%分のHKD187,500
早期性定額外保障(25%)+10年以内発病保障(12.5%)
グループ3の早期性重要疾患が適用
43才 2回目の保障 3年後再び体調が悪く、糖尿病の合併症と診断 187.5%分のHKD937,500
糖尿病保障(25%)+10年以内発病保障(12.5%)
重要疾患保障(100%)+10年以内発病保障(50%)
グループ5の重要疾患が適用
給付金額の合計は、225%以上となるHKD112.5万

給付された保障金の総額は123.5万香港ドル+スペシャルボーナス、つまり、Original Sum Assured(原有の保障額)の225%以上の保障を獲得。

MaxiCareマキシ ケア(至尊) 保障額の1000%までカバー

マキシケア終身900%の保障が確保されているほか、10年以内の発生の場合には追加で100%がプラスされ保障額の10倍である合計1000%まで、保証されることになります。

つまり、保障額の10倍である最高1000%=900%+100%の給付を受けられるプラン、MaxiCareマキシ ケア(至尊)。

MaxiCareマキシ ケア(至尊)での具体例

性別と名前: 男性 Mr. A
年齢: 35才
保障額の最高10倍(1000%)を給付されるMaxiCareマキシ ケア(至尊)を選択
保障額: 80万香港ドルで設定して契約
保険料払い込み期間: 25年
保険料年間払い込み金額: 27,976香港ドル(月々2,471香港ドル)
保険料払い込み予定総額: 25年×27,976香港ドル=699,400香港ドル
給付金額の合計: 63才まで合計2,300,000香港ドルの給付を獲得、当該シュミレーションは以下、年齢や病歴の条件で計算しました。

年齢 保障回数 病状
適応項目(割合%)
保障グループ
保障金額
契約5年目の40才 初めての保障 Mr.Aさん体調がすぐれなく医者の診断を経て血管形成手術 37.5%分のHKD30万
早期性定額外保障(25%)+10年以内発病保障(12.5%)
グループ3の早期性重要疾患が適用
52才 2回目の保障 体調がすぐれなく病院で大腸直腸癌に患っていると診断 25%分のHKD20万
早期性定額外保障(25%)
グループ1の早期性重要疾患が適用
55才 3回目の保障 突然倒れて救急治療室に、検査後血管が収縮していたので再度、血管形成手術 25%分のHKD20万
早期性定額外保障(25%)
グループ3の早期性重要疾患が適用
57才 4回目の保障 再び心臓病が発生 100%分のHKD60万
重要疾患保障(100%)
グループ3の重要疾患が適用
59才 5回目の保障 脳卒中が発生 100%分のHKD80万
マルチ保障
グループ4の重要疾患が適用
65才 6回目の保障 重度の閉塞性睡眠時無呼吸と診断 25%分のHKD20万
早期性定額外保障(25%)
グループ5の早期性重要疾患が適用
65才までの給付金額の合計は、287.5%以上となるHKD230万

給付された保障金の総額は230万香港ドル+スペシャルボーナス、つまり、Original Sum Assured(原有の保障額)の287.5%%以上の保障を獲得。

保障額の300%~1000%を給付

100%もしくは25%の保障を実現、さらに最高10倍の1000%まで保障

潜在する各種重病に対して手厚い保障を実現。

  1. 重要疾患には保障額の100%
  2. 早期や児童の重要疾患には保障額の25%
  3. 再発やその他の疾患が同時発病300%~1000%

たとえば、重要疾患と診断されると直ちに保障額の100%を受け取れるほか、幸運にも重要疾患に至らない「早期」性の重要疾患や「児童」性の重要疾患と診断されると保障額の25%が予め給付されます。

さらに、万が一、現実に重要疾患の複数が立て続けに診断されたときや再発してしまった、その時「当該保障額で本当に十分なのか?」といった不安感をなくすために、UltraCareウルトラ ケア(全護)はOriginal Sum Assured(原有の保障額)の300%(3倍)、MaxiCareマキシ ケア(至尊)は1000%(10倍)まで保障を提供してくれます。

  1. UltraCareウルトラ ケア(全護)
    保障額の最高3倍(300%)を給付
  2. MaxiCareマキシ ケア(至尊)
    保障額の最高10倍(1000%)を給付

保障期間は終身の100才、保険料免除も

それだけでなく終身の100才まで保障してくれます。

保険期間は100才までとなるので、重病を患いやすい後半のライフステージにおいて十分な保障を確約してくれます。これにより、退職後の金銭的に余裕がないその時に不幸にも重要疾患を患ってしまった場合の「収入や年金がないので高度な医療費用を払えない!」そんな悩みは当該保険が解消してくれます。

早期性重要疾患及び╱或は重要疾患保障請求がOriginal Sum Assured(原有の保障額)の100%に達していると、それ以降の保険料が免除されるので如何なる追加の費用なしで残された保障を享受することができます。

10年以内の発病には追加の保障あり Tailor-made Enhanced Benefit 10 for you

保険購入後の初期期間(証券発行後10年以内)に、以下の病因による給付申請には追加で50%の追加的な保障を提供。

  • 早期性定額外保障/Early Stage Booster Benefit[2]
  • 糖尿病保障/Diabetes Protector Benefit[3]
  • 重要疾患保障/Major Stage Critical Illness Benefit[5]
  • 早期性重要疾患保障/Early Stage Critical Illness Benefit[6]
  • 再発保障/Recurring Benefit[7]
  • 死亡保障/Death Benefit[8]

早期の段階にも保障が充実 Supporting you with an Early Stage Booster Benefit

糖尿病にも保障あり Well-protected with the Diabetes Protector Benefit

癌、心臓病、中風の再発にも保障 Protection where it’s most needed – Recurring Benefit for Cancer, Heart Attack or Stroke

癌やその他重要疾患を患っても高額な医療費の負担を軽減 Ease your concern on huge treatment costs when suffer from cancer or other critical illnesses again

対象疾患一覧表 List of Covered Illnesses

The English disease name governs./病名は、英語を正文とします。

GROUPS/グループ MAJOR STAGE CRITICAL ILLNESS CONDITIONS/重要疾患 EARLY STAGE CRITICAL ILLNESS CONDITIONS/早期性重要疾患 JUVENILE ILLNESS CONDITIONS/児童重要疾患
GROUP 1
CANCER/癌 Cancer/癌 Carcinoma-in-situ of (Colon or Rectum, Liver, Lung,Nasopharynx, Stomach or Oeshophagus, UrinaryTract, Breast, Cervix, Uterus, Ovary, Fallopian Tube,Vagina, Testicle or Penis)*/前癌病変(結腸・直腸・肝・肺・鼻咽・胃・食道・尿道・乳房・子宮頸・子宮・卵巣・卵管・陰道・睾丸・ペニス)*
Early Malignancies (Early Stage Cancer of the Prostate, Early Stage Papillary Carcinoma of Thyroid and Non-melanoma Skin Cancer of AJCC Stage II or above)*/早期悪性腫瘤(早期前列腺癌・早期甲状腺乳頭状癌・AJCC第二期あるいは以上の非黒色腫皮膚癌)*
Cerebral Metastasis/転移性脳腫瘍
GROUP 2
ILLNESSES RELATED TO ORGAN FAILURE AND FUNCTIONS/臓器不全と関連する疾患 Acute Necrohemorrhagic Pancreatitis/急性出血壊死性胰臟炎
Aplastic Anaemia/再生不良性貧血 Less Severe Aplastic Anaemia/軽度の再生不良性貧血
Chronic Relapsing Pancreatitis/復発性慢性胰腺炎
End Stage Liver Failure/末期肝不全 Liver Surgery/肝臓手術
Hepatitis with Cirrhosis*/肝硬変*
Chronic Autoimmune Hepatitis*/慢性自己免疫性肝炎*
End Stage Lung Disease/末期肺病 Interstitial Fibrosis/間質性肺炎
Surgical Removal of One Lung/片方肺除去手術
Fulminant Hepatitis/劇症肝炎 Biliary Tract Reconstruction Surgery/胆管再生術
Kidney Failure/腎不全 Less Severe Kidney Disease/重症度の低い腎不全
Major Organ Transplant/主要臓器移植 Major Organ Transplantation (on Waiting List)/主要臓器移植(順番待ち)
Medullary Cystic Disease/髄質嚢胞性疾患
Severe Crohn’s Disease/重度のクローン病 Moderately Severe Crohn’s Disease/中程度に重篤なクローン病
Systemic Lupus Erythematosus(S.L.E.) with Lupus Nephritis/ループス腎炎を伴う全身性エリテマトーデス Less Severe Systemic Lupus Erythematosus/重症度の低いループス腎炎
Systemic Scleroderma/全身性強皮症 Early Systemic Scleroderma/早期全身性強皮症
Ulcerative Colitis/潰瘍性大腸炎 Moderately Severe Ulcerative Colitis/中度潰瘍性大腸炎
Severe Asthma*/重度気管支炎*
GROUP 3
ILLNESSES RELATED TO HEART/心臓と血管に関連する疾患 Cardiomyopathy/心筋症 Early Cardiomyopathy/早期心筋症
Dissecting Aortic Aneurysm/大動脈解離 Cerebral Aneurysm Requiring Surgery/手術が必要な大動脈瘤
Eisenmenger’s Syndrome/アイゼンメンジャー症候群 Insertion of Vena-cava Filter/下大静脈フィルターの挿入
Heart Attack/心臓発作 Pericardectomy/心膜切開術
Insertion of Pacemaker or Defibrillator*/ペースメーカまたは除細動器の挿入*
Infective Endocarditis/感染性心内膜炎 Less Severe Infective Endocarditis/重症度の低い感染性心内膜炎
Primary Pulmonary Arterial Hypertension/原発性肺動脈高血圧症 Endovascular Treatment of Peripheral Arterial Disease*/末梢動脈疾患の血管内治療*
Replacement of Heart Valve/心臓弁切換手術 Less Invasive Treatments of Heart Valve Disease/心臓弁疾患の低侵襲治療
Surgery for Disease of the Aorta/大動脈疾患の手術 Endovascular Treatments of Aortic Disease or Aortic Aneurysm*/大動脈疾患または大動脈瘤の血管内治療*
Surgery to Coronary Arteries/冠状動脈への手術 Minimally Invasive Direct Coronary Artery By-pass*/超低侵襲冠動脈バイパス術*
Angioplasty and Other Invasive Treatments for Coronary Artery Disease*/血管形成術とその他冠状動脈の創傷性治療法*
Kawasaki Disease*/川崎病*
Rheumatic Fever with Valvular Impairment*/リウマチ性心臓弁膜症*
GROUP 4
ILLNESSES RELATED TO THE NERVOUS SYSTEM/神経系と関連する疾患 Alzheimer’s Disease/アルツハイマー病
Amyotrophic Lateral Sclerosis(ALS)/筋萎縮性側索硬化症 Early Amyotrophic Lateral Sclerosis(ALS)/早期筋萎縮性側索硬化症
Apallic Syndrome/失外套症候群 Surgery for Subdural Haematoma/硬膜下血腫手術
Bacterial Meningitis/細菌性髄膜炎 Less Severe Bacterial Meningitis/重症度の低い細菌性髄膜炎
Benign Brain Tumour/良性腦腫瘤 Surgical Removal of Pituitary Tumour/腦垂體腫瘤切除手術
Coma/昏睡 Less Severe Coma/重症度の低い昏睡
Creutzfeldt-Jacob Disease/クロイツフェルト・ヤコブ病
Deafness/難聴 Cochlear Implant Surgery/人工内耳手術
Loss of Hearing in One Ear/片耳難聴
Encephalitis/脳炎 Less Severe Encephalitis/重症度の低い脳炎
Hemiplegia/片麻痺
Major Head Trauma/重度頭部外傷 Moderately Severe Brain Damage/中程度の脳損傷
Cerebral Shunt Insertion/シャント手術
Meningeal Tuberculosis/結核性髄膜炎 Less Severe Meningeal Tuberculosis/重症度の低い結核性髄膜炎
Motor Neurone Disease/運動ニューロン疾患 Early Motor Neurone Disease/早期運動ニューロン疾患
Multiple Sclerosis/多発性硬化症
Muscular Dystrophy/筋ジストロフィー Moderately Severe Muscular Dystrophy/中程度の筋ジストロフィー
Paralysis/中風 Moderately Severe Paralysis/中程度の中風
Parkinson’s Disease/パーキンソン病 Moderately Severe Parkinson’s Disease/中程度のパーキンソン病
Poliomyelitis/急性灰白髄炎(小児脳性麻痺) Moderately Severe Poliomyelitis/中程度の急性灰白髄炎
Progressive Bulbar Palsy(PBP)/進行性球麻痺 Early Progressive Bulbar Palsy(PBP)/早期進行性球麻痺
Progressive Supranuclear Palsy/進行性核上性麻痺 Early Progressive Supranuclear Palsy/早期進行性延髓痳痺症
Severe Myasthenia Gravis/重症筋無力症
Stroke/脳卒中 Angioplasty and other Surgeries for Carotid Arteries*/頸動脈形成術及びその他頸動脈手術*
Total Blindness/完全失明 Loss of Sight in One Eye/片目失明
Glaucoma Surgical Treatment/緑内障外科治療
Severe Psychiatric Illness/重度な精神病 Intellectual Disability due to Sickness or Injury*/病気や傷害による知的障害*
GROUP 5
OTHER ILLNESSES/その他疾患 AIDS due to Blood Transfusion/輸血によるエイズ
Chronic Adrenal Insufficiency/慢性副腎不全(アジソン病) Adrenalectomy for Adrenal Adenoma/腎上腺腫瘍の副腎線摘出手術
Diabetic Complications/糖尿病合併症 糖Diabetic Nephropathy*/糖尿病性腎症*
Diabetic Retinopathy*/糖尿病網膜症*
Ebola/エボラ
Elephantiasis/象皮病
HIV Acquired due to Assault/暴力によるエイズ感染
Loss of Limbs/肢体喪失 Loss of One Limb/肢体一部喪失
Loss of One Limb and One Eye/肢体一部及び片目失明
Loss of Speech/言語障害 Loss of Speech due to Vocal Cord Paralysis/声带麻痺による話す能力の喪失
Major Burns/重度な火傷 Facial Burns due to Accident/事故による顔の火傷
Less Severe Burns to Body due to Accident/事故による重症度の低い身体への火傷
Necrotising Fasciitis/壊死性筋膜炎
Occupational Acquired HIV/仕事によるエイズ感染
Pheochromocytoma/褐色細胞腫
Severe Rheumatoid Arthritis/重度の関節リウマチ Moderately Severe Rheumatoid Arthritis/中程度の関節リウマチ
Terminal Illness**/末期の病気**
Accidental Fracture of Spinal Column#/事故による脊柱骨折#
Facial Reconstructive Surgery for Injury due to Accident*/事故による傷害のための顔面再建手術*
Severe Central or Mixed Sleep Apnea/重度の中枢神経性または混合型の睡眠時無呼吸症
Severe Obstructive Sleep Apnea/重度の閉塞性睡眠時無呼吸症
Severe Osteoporosis with Fractures^/重度の骨粗鬆症と骨折^
Hemophilia A and Hemophilia B*/A型血友病及びB型血友病*
Insulin Dependent Diabetes Mellitus(IDDM)*/インスリン依存性糖尿病*
Osteogenesis Imperfecta*/骨形成不全症*
Still’s Diseases*/若年性関節リウマチ--成人スチル病*
Severe Autism*/重度の自閉症*

* 毎回の最高請求額は37,500米ドル/300,000香港ドル以下。
# 保障年齢期限は65~85才のみ。
^ 保障年齢は70歲以下、保障金額は15,000米ドル/120,000香港ドルを上限とする。
** 末期の病気はマルチ保障((MaxiCareマキシ ケア(至尊))のみ申請可能)の対象となりません。

Remarks:
1 Enhanced Benefit 10 is equal to 50% of the (i) Current Sum Assured payable under Major Stage Critical Illness Benefit, Early Stage Critical Illness Benefit or Death Benefit; or (ii) Original Sum Assured payable under Early Stage Booster Benefit, Diabetes Protector Benefit or Recurring Benefit. Enhanced Benefit 10 will not be eligible for Guaranteed Cash Value and Special Bonus, if any, and will be automatically terminated (i) once Death Benefit becomes payable; (ii) on the 10th policy anniversary; and (iii) upon termination of this Basic Plan, whichever is earliest. Current Sum Assured will remain the same upon payment of Enhanced Benefit 10.
2 Current Sum Assured of this Basic Plan will remain the same after Early Stage Booster Benefit is paid. Unless otherwise specified, if a claim for an Early Stage Critical Illness Condition is made under Early Stage Booster Benefit, no claim will be payable under Early Stage Critical Illness Benefit for the ame Early Stage Critical Illness Condition at the same time, and any subsequent claim of such Early Stage Critical Illness Condition will not be payable under Early Stage Critical Illness Benefit (except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease, Carcinoma-in-situ and Early Malignancy9). Early Stage Booster Benefit will be terminated automatically (whether claimed or not) when Current Sum Assured is reduced to 0.
The claims(s) made under Early Stage Booster Benefit will not be counted towards the limit for Multi-Protection Benefit.
3 Diabetes Protector Benefit can be claimed once only and will be terminated afterwards. Unless otherwise specified, if a claim for an Early Stage Critical Illness Condition or a Juvenile Illness Condition is made under Diabetes Protector Benefit, no claim will be payable under Early Stage Critical Illness Benefit for the same Early Stage Critical Illness Condition or Juvenile Illness Condition at the same time. If a claim for a Major Stage Critical Illness Condition, an Early Stage Critical Illness Condition or a Juvenile Illness Condition is made under Diabetes Protector Benefit, any subsequent claim of such Major Stage Critical Illness Condition, Early Stage Critical Illness Condition and Juvenile Illness Condition will not be payable under the respective Major Stage Critical Illness Benefit or Early Stage Critical Illness Benefit. For Early Stage Critical Illness Condition, and Juvenile Illness Condition, the maximum per life limit of each claim: USD37,500 or HKD300,000. If the Diabetes Protector Benefit is payable due to Diabetic Complications, the Major Stage Critical Illness Benefit will also be payable at the same time (The Major Stage Critical Illness Benefit payable is subject to the terms and conditions
as specified in Major Stage Critical Illness Benefit under the Basic Benefit provisions). Current Sum Assured of this Basic Plan will remain the same if the claim is Early Stage Critical Illness Condition or Juvenile Illness Condition, while the Current Sum Assured of this Basic Plan will be reduced to 0 after this benefit is paid for a Major Stage Critical Illness Condition. Diabetes Protector Benefit will be terminated automatically (whether claimed or not) when Current Sum Assured is reduced to 0. The claim(s) made under Diabetes Protector Benefit will not be counted towards the limit for Multi-Protection Benefit.
4 Unless stated otherwise, each Juvenile Illness Condition, Early Stage Critical Illness Condition and Major Stage Critical Illness Condition can be claimed once only. All benefit payouts will be reduced by any outstanding loans with interest.
5 Major Stage Critical Illness Benefit will only be paid once. Once the Major Stage Critical Illness Benefit becomes payable, coverage for Major Stage ritical Illness Benefit, Death Benefit, Early Stage Critical Illness Benefit, Early Stage Booster Benefit, Diabetes Protector Benefit, Maturity Benefit and any Rider Benefit(s) attached to this Basic Plan will terminate automatically.
Major Stage Critical Illness Benefit is equal to the higher of:
(i) sum of 100% of the Current Sum Assured, plus Enhanced Benefit 10, if applicable, plus face value of Special Bonus, if any; and
(ii) total Premiums due and paid for this Basic Plan excluding any extra premiums and any Rider Benefit premiums, less the amount of any benefit paid;
Plus any other amounts left with us, less the amount of any loans with interest.
Major Stage Critical Illness Benefit will be terminated automatically when the Current Sum Assured is reduced to 0.
6 In the case of the payment of Early Stage Critical Illness Benefit when the Current Sum Assured is less than 25% of the Original Sum Assured, only the Current Sum Assured is payable under Early Stage Critical Illness Benefit, subject to maximum per life limit of the relevant illness condition(s).
After the payment of each Early Stage Critical Illness Benefit, Current Sum Assured17, Guaranteed Cash Value, Special Bonus (if any) and Premium will be reduced on a pro rata basis accordingly.
7 Terms and conditions of benefits and exclusions apply. Please refer to the Policy Documents for details.
8 Death Benefit is equal to the higher of:
(i) sum of 100% of the Current Sum Assured, plus Enhanced Benefit 10, if applicable, plus face value of Special Bonus, if any; and
(ii) total Premiums due and paid for this Basic Plan excluding any extra premiums and any Rider Benefit premiums, less the amount of any benefit paid; plus any other amounts left with us, less the amount of any loans with interest. Death Benefit will be terminated automatically when Current Sum Assured is reduced to 0.
9 Only specific organs and stages of Carcinoma-in-situ or Early Malignancy are covered. Carcinoma-in-situ means Carcinoma-in-situ of Colon or Rectum, Liver, Lung, Nasopharynx, Stomach or Oeshophagus, Urinary Tract, Breast, Cervix, Uterus, Ovary, Fallopian Tube, Vagina, Testicle or Penis; Early Malignancy means Early Stage Cancer of the Prostate, Early Stage Papillary Carcinoma of Thyroid and Non-melanoma Skin Cancer of AJCC Stage II or above. Please
refer to the Policy Document for the details of definition.
10 Following the total payment of 100% Original Sum Assured under Major Stage Critical Illness Benefit and/or Early Stage Critical Illness Benefit, the eligible claims of Major Stage Critical Illness Condition, Early Stage Critical Illness Condition and Juvenile Illness Condition up to a maximum of 700% of Original Sum Assured will continue to be payable under Multi-Protection Benefit, subject to the following conditions:
(1) Major Stage Critical Illness Condition under Major Stage Critical Illness Benefit paid and Major Stage Critical Illness Condition of each claim under Multi-Protection Benefit shall fall within different groups* of the Major Stage Critical Illness Conditions (except for Multiple Claims for Major Stage Critical Illness Condition of Group 1 as specified in (3) and (4) below);
(2) the date of Diagnosis or Surgery Date of the Major Stage Critical Illness Condition of a Multiple Claim shall be at least 1 year from the date of Diagnosis or Surgery Date of the Major Stage Critical Illness Condition of the immediately preceding approved claim for Major Stage Critical Illness Benefit or Multi-Protection Benefit (for the avoidance of doubt, no such period is required for (a) an Early Stage Critical Illness Condition where the immediately preceding approved claim is a Major Stage Critical Illness Condition (except for Terminal Illness as specified in (6) below) or an Early Stage Critical Illness Condition; or (b) a Major Stage Critical Illness Condition where the immediately preceding approved claim is an Early Stage Critical Illness Condition);
(3) Major Stage Critical Illness Benefit, Early Stage Critical Illness Benefit and Multi-Protection Benefit allow approved claims up to a maximum of 400% of Original Sum Assured for illness conditions under Group 1 and a maximum total of 100% of Original Sum Assured for illness conditions under Group 2, 3, 4 or 5 respectively (excluding Early Stage Booster Benefit, Enhanced Benefit 10, Diabetes Protector Benefit and Recurring Benefit, if applicable);
(4) in the case of a claim for a Major Stage Critical Illness Condition of Group 1 under this Multi-Protection Benefit, if this Major Stage Critical Illness Condition occurs after an approved claim for a Major Stage Critical Illness Condition of Group 1, in addition to the condition (2) above, the date of Diagnosis or Surgery Date of this Major Stage Critical Illness Condition shall be after the expiry of a 4-year Cancer-Free Waiting Period12 in relation to the immediately preceding approved Group 1 claim on Major Stage Critical Illness Condition;
(5) even if there is/are claim(s) for Early Stage Critical Illness Condition(s) in between two Major Stage Critical Illness Conditions, the conditions as specified in (1), (2), (3) and (4) are applicable to these two Major Stage Critical Illness Conditions;
(6) if the Major Stage Critical Illness Condition paid under the Major Stage Critical Illness Benefit was Terminal Illness, the first claim under this Multi-Protection Benefit can be made from Group 1, 2, 3 or 4 of Major Stage Critical Illness Conditions, Early Stage Critical Illness Conditions or Juvenile Illness Conditions, provided that the date of Diagnosis or Surgery Date of the condition of such claim shall be at least 5 years from the date of
Diagnosis of such Terminal Illness;
(7) the Insured shall have survived for a period of at least 14 days from the date of Diagnosis or Surgery Date of the Major Stage Critical Illness Condition, Early Stage Critical Illness Condition or Juvenile Illness Condition (where applicable); and
(8) In the case of the payment of Early Stage Critical Illness Benefit when the Current Sum Assured is less than 25% of the Original Sum Assured, the Shortfall in Sum Assured in respect of the same Early Stage Critical Illness Condition or Juvenile Illness Condition (where applicable) will be payable under Multi-Protection Benefit at the same time, subject to the respective maximum per life limit of relevant illness condition and maximum total
claims limit of the relevant group.
* Except that when payment of Major Stage Critical Illness Benefit is made at the time the Current Sum Assured is less than 100% of the Original Sum Assured, the Shortfall in Sum Assured in respect of the same Major Stage Critical Illness Condition will be payable under Multi-Protection Benefit at the same time, subject to the respective maximum total claims limit of the relevant group.
11 Multi-Protection Benefit will not be eligible for Guaranteed Cash Value and Special Bonus, if any. Additional 25% of the Original Sum Assured under Diabetes Protector Benefit, and any claims paid under Early Stage Booster Benefit, Enhanced Benefit 10 and Recurring Benefit will not be counted towards the total claims limit under Multi-Protection Benefit.
12 The “4-year Cancer-Free Waiting Period” means that the period elapsed is at least 4 years from the date of first diagnosis with respect to the latest admitted Cancer claim under Major Stage Critical Illness Condition to:
(i) the date of first diagnosis with respect to the subsequent Cancer claim under Major Stage Critical Illness Condition which is of a different pathological and histological type (whether it occurs in the same or a different organ); or
(ii) the date of first diagnosis of the recurrence or metastasis of the Cancer of the latest admitted Cancer claim under Major Stage Critical Illness Condition, provided that such Cancer has been once in complete remission (such state is verified by a Registered Specialist and supported by clinical, imaging or other laboratory investigation evidence).
13 The face value of any Special Bonus (if any) will be paid when the Company is paying the (1) Major Stage Critical Illness Benefit, (2) Early Stage Critical Illness Benefit, or (3) Death Benefit. The cash value of Special Bonus will be paid upon the payment of Maturity Benefit or when the policy is surrendered in whole or in part. The cash value of Special Bonus may not be equal to the face value of Special Bonus. A face value of pro rata portion of Special Bonus (if any) will also be paid upon payment of the Early Stage Critical Illness Benefit, followed by Current Sum Assured, Guaranteed Cash Value and Special Bonus (if any) and premiums shall then be reduced on a pro rata basis accordingly. Special Bonus will not be paid after the Current Sum Assured reaches 0. Special Bonus is calculated based on the Company’s current Special Bonus scales which are not guaranteed and will be subject to
change at the Company’s sole discretion from time to time. The Special Bonus may be different at each subsequent declaration and the actual values paid may change with the values. The Company’s Special Bonus will typically vary based on the performance of a number of experience factors, with the investment return, including the impact of asset defaults and investment expenses, normally being the main determinant of the Special Bonus performance. Other factors include, but are not limited to, claim experience, policy expenses, taxes, and policyholder termination experience.
14 The third claim for Angioplasty and Other Invasive Treatments for Coronary Artery Disease under Early Stage Critical Illness Condition will be eligible only if the first 2 claims of Angioplasty and Other Invasive Treatments for Coronary Artery Disease have been paid under Early Stage Booster Benefit.
15 Second Medical Opinion Service and Family Care Benefit Plus are provided by a third party service provider which is not guaranteed renewable.
16 Included Enhanced Benefit 10.
17 Current Sum Assured means the Original Sum Assured, less total amount of Sum Assured paid under Early Stage Critical Illness Benefit. Current Sum Assured will be reduced to zero after the date we approved Death Benefit or Major Stage Critical Illness Benefit claim. Guaranteed Cash Value and Special Bonus will be reduced to zero at the same time when Current Sum Assured is reduced to zero under any circumstances.
18 Where 25% of Original Sum Assured is payable under Early Stage Critical Illness Benefit and 12.5% of Original Sum Assured (additional) is payable under Enhanced Benefit 10. The Current Sum Assured, Guaranteed Cash Value, Special Bonus (if any) and premiums shall then be reduced on a pro rata basis after the date we approved Early Stage Critical Illness Benefit claim.

オフショア香港のSunlife社の商品のお申込みついて

香港の規制・監督官庁の要求から、Sun Life Hong Kongサンライフ香港の商品は香港に渡航して初めて購入できる商品となります。

Sunlife社の商品につき取り扱い、販売停止商品

弊社取り扱いお勧め商品としては

  1. 積み立て投信保険のSunAchieverサン・アーキテクト
  2. 養老保険であるSunPromiseサン・プロミス
  3. 貯蓄性の高い学資保険のSunEducatorサン・エデュケーター
  4. 重病保障保険のSunHealthサン・ヘルス
  5. ユニバーサルライフのBRIGHT UL Wealth-BuilderブライトULウェルスビルダー
  6. 保険性の高い学資保険のHopeEducatorホープ・エデュケーター
  7. ユニバーサルライフのBRIGHT UL Wealth-BuilderブライトULウェルスビルダー
  8. LifeBrillianceライフ・ブリリアンス

Sunlife香港の基本情報 Fundamental information of Sunlife Hong Kong

サンライフの創業は実に1865年にさかのぼり、個人や企業への保険商品をご提供してきた北米でも最も古い金融機関の一つです。現在ではカナダのトロントに本社をかまえ世界23カ国にオフィスを設けるグローバル企業として成長し続けています。

「フォーチュン500」や「フォーブスグローバル2000」において236位(三菱UFJフィナンシャルは369位)にランクインしているほか、グループ全体の総資産額は3469億カナダドルとなり、トロント (TSX)、ニューヨーク (NYSE)、フィリピン(PSE) の世界3カ国の証券取引所で上場もしています。格付けも高くS&PでAA-、ムーディーズでAa3を獲得しており信用度が非常に高いといえるでしょう。

名称 Sun Life Financial (Hong Kong) Limited / 香港永明金融有限公司
又は単に
Sun Life Hong Kong
香港所在地 8/F, Sun Life Tower,The Gateway, 15 Canton Road,Kowloon, Hong Kong SAR
営業時間 ※香港時間 月~金曜日: 9:00~16:30
土曜日:   9:00~13:00
電話番号 (852) 2103 8928
ホームページURL http://www.sunlife.com.hk
申請書等の送付先 8/F, Sun Life Tower,The Gateway, 15 Canton Road,Kowloon, Hong Kong SAR

その他商品

Savings & Investment Target Savings

LIFE Brilliance SunPromise Income Plan Sun Diamond Income Plan LIFE Super / LIFE Super Plus WARMTH Series HOPE Series SunEducator Ruby Endowment Plan 3/8 One Year Term Plan II / Five Year Term Plan II

Health & Accident

Medical & Critical Illness Accident & Disability

Universal Life

BRIGHT UL Wealth-Builder BRIGHT Achiever BRIGHT Universal Life (RMB)