【Strongest protection】Build a solid foundation of health protection for your children, so they can pursue their ambitions in life without worry.

Severe air pollution can easily cause respiratory diseases, yet many people overlook the serious impact of chronic respiratory diseases on patients’ quality of life and health. According to statistics from the Hong Kong Thoracic Society’s Manual of Chest Diseases, approximately 330,000 people in Hong Kong have asthma. Children aged 13 to 14 account for more than 10% of these cases, the highest proportion among all age groups. On average, nearly 90 people die from asthma each year, 30% of whom are aged 15 to 44. In addition, asthma is a chronic inflammatory disease with more than 300 million sufferers worldwide. Of these, 5% to 10% are diagnosed with severe asthma, accounting for nearly 50% of asthma-related expenditure¹.

A strong physique is the foundation of success. As parents, we naturally hope that our children can stay free from illness. If you wish to take action, you can establish comprehensive protection for them at an early age, before they develop any medical history. Considering that children have weaker resistance, Sun Life has launched the market’s strongest protection choice², “SunWell Supreme Care”, which covers up to 27 childhood diseases, providing the insured with comprehensive protection from childhood through adulthood. 

Although the consequences of childhood illnesses can vary in severity, most children can overcome them with timely treatment. The “SunWell Supreme Care” launched by Sun Life covers 188 insured illnesses. Even illnesses that are “congenital” in origin, such as congenital heart disease, are covered. In addition, its child-specific coverage covers up to 27 childhood illnesses³, including severe asthma, severe hand, foot and mouth disease, severe epilepsy, osteogenesis imperfecta and severe autism⁴. Taking a five-year-old boy as an example, if his parents take out “SunWell Supreme Care” for him with a 20-year premium payment term, an annual premium of US$2,150 can provide him with US$150,000 of coverage. Even if their child unfortunately develops a serious illness, the parents can focus entirely on caring for their child’s needs without worrying about unexpected medical expenses or their own income, as “SunWell Supreme Care” provides them with comprehensive financial support. 

As your children grow older, the health challenges they face will change. Every parent wishes to provide their children with comprehensive protection that can safeguard them throughout their lives. SunWell Supreme Care provides protection against a total of up to 226 diseases, covering 188 covered diseases and 38 complex surgeries for unknown diseases, as well as additional protection for 12 specified diseases. It offers the widest coverage of diseases and surgeries in Hong Kong². In addition, Sun Life understands that every parent wishes to protect their children for life, which is why the plan offers the market-rare benefit of restoring 100% of the sum assured⁵. For example, if a 10-year-old boy is unfortunately diagnosed with severe asthma one year after taking out the policy, he will receive 20% of the sum assured³. If he is diagnosed with a serious critical illness before the age of 70, the policy will also restore the original sum assured to 100% 5. This ensures that the insured need not worry about insufficient coverage and can receive treatment with peace of mind. 

As the saying goes, “Parents worry about their children for as long as they live.” Sun Life understands that parents’ care for their children lasts a lifetime. Therefore, 「SunWell Supreme Care」provides comprehensive protection for insured children and offers various premium waiver benefits, including an early critical illness premium waiver⁶, helping to ease the policyholder’s financial burden. Should the parent or guardian of the insured pass away at or before the age of 80, the insured will be entitled to a waiver of all premiums thereafter until reaching the age of 25, while comprehensive protection will continue to be provided throughout this period. Taking into account that different illnesses are more likely to occur at different ages, 「SunWell Supreme Care」recognises that prevention is better than cure. The plan provides up to five free health check-ups, including check-up items tailored to different age groups, offering children comprehensive protection and thoughtful support at every step of their growth. 

Notes:

1. Source: Hong Kong Thoracic Society, Manual of Chest Diseases, 2010  
2. The description of “market leader” in this product feature is based on a comparison of critical illness plans under new policies offered by insurance companies carrying on general business and long-term business, as listed in the register of authorised insurers maintained by the Insurance Authority as at 25 April 2024.
3. Each illness may be claimed once; the benefit limit is subject to the lower of (i) 10%–20% of the original sum assured under the basic plan; or (ii) a maximum of US$50,000 for all childhood illnesses for the same insured child.
4. Coverage for severe autism applies when the insured person has reached the age of 5 or above.
5. Restoration of the accumulated benefit amount paid under the Early Critical Illness Benefit and/or Baby All-round Protection Benefit, up to 100% of the original sum assured.
6. Waiver of premiums for 24 months commencing from the premium due date immediately following that of the basic plan; if the date of diagnosis is the premium due date, the 24-month period commences on that date. 

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.