[Ultimate Protection] Lay a solid health foundation for your children, ensuring they can strive for success without worries.

Air pollution is a serious issue that can easily trigger respiratory diseases, yet many people overlook the severe impact of chronic respiratory conditions on patients' quality of life and health. According to statistics from the Hong Kong Thoracic Society's *Handbook on Thoracic Diseases*, approximately 330,000 people in Hong Kong suffer from asthma, with over 10% of them being children aged 13 to 14, the highest proportion among all age groups. On average, nearly 90 people die from asthma each year, with 30% of these deaths occurring in individuals aged 15 to 44. Additionally, asthma is a chronic inflammatory condition, affecting over 3 million people worldwide. Among them, 5% to 10% are diagnosed with severe asthma, accounting for nearly 50% of asthma-related expenditures¹.

A strong physique is the foundation of success. As parents, it is natural to wish for your children to be free from illness. If you want to take action, you can start building a comprehensive protection plan for them while they are young and have no medical history. Considering that children have weaker immunity, Sun Life has launched the market's strongest protective option², "萬家康尊尚保", which covers up to 27 childhood illnesses, ensuring comprehensive protection for the insured from childhood to adulthood.

Although the consequences of childhood illnesses can vary in severity, with timely treatment, most children can overcome their conditions. Sun Life has introduced "萬家康尊尚保", which covers 188 insured conditions. Even "congenital" conditions (such as congenital heart disease) are covered, and the plan offers protection specifically designed for children, covering up to 27 childhood illnesses³, including severe asthma, severe hand, foot, and mouth disease, severe epilepsy, osteogenesis imperfecta, and severe autism⁴. For example, for a 5-year-old boy, parents can enrol their son in "萬家康尊尚保" with a 20-year contribution period. By paying an annual premium of USD 2,150, they can secure USD 150,000 in coverage for their son. Even if the child unfortunately suffers from a serious illness, parents can focus entirely on their child’s needs without worrying about sudden medical expenses or their own income, as "萬家康尊尚保" provides comprehensive financial support for them. 

As children grow up, the health challenges they face will vary. Every parent undoubtedly wishes to provide their children with comprehensive protection that lasts a lifetime. "萬家康尊尚保" offers coverage for a total of 226 conditions, including 188 covered illnesses and 38 complex surgical procedures for unknown diseases, as well as additional protection for 12 specific conditions, making it the most extensive coverage for illnesses and surgeries in Hong Kong². Furthermore, Sun Life understands that every parent wishes to protect their children for life, which is why the plan offers a rare market feature of 100% sum assured restoration⁵. For instance, in the case of a 10-year-old boy, if unfortunately diagnosed with severe asthma one year after policy inception, he would receive 20% of the sum assured³. If a severe critical illness is diagnosed before the age of 70, the policy will also restore to 100% of the original sum assured⁵. This ensures that the insured does not have to worry about insufficient coverage and can focus on receiving treatment with peace of mind. 

Raising a child is a lifelong commitment, and parents worry about their children endlessly. Sun Life understands that parental love for their children lasts a lifetime, which is why "萬家康尊尚保" offers comprehensive protection for insured children. The plan includes multiple premium waiver benefits, such as early critical illness premium waiver⁶, to alleviate financial pressure on policyholders. In the unfortunate event that the insured’s parents or guardians pass away before the age of 80, the insured will be exempt from future premiums until they reach 25 years old, while still receiving full coverage during this period. Recognising that different diseases have varying peak onset ages, "萬家康尊尚保" embraces the principle that prevention is better than cure. The plan provides up to 5 free health check-ups, with specific tests tailored to different age groups, ensuring multi-faceted protection for children and offering thoughtful care at every step of their growth journey. 

Note:

1. Source of information: Hong Kong Thoracic Society "Handbook of Respiratory Diseases" 2010  
2. The description of this product feature as "Market Leader" is based on a comparison of critical illness plans for new policies provided by insurers authorised by the Insurance Authority and registered for general and long-term business as of 25 April 2024.
3. Each disease can be claimed once; the coverage limit is the lower of (i) 10%-20% of the original sum assured under the basic plan; or (ii) a maximum limit of USD 50,000 for all children's diseases for the same insured child.
4. The coverage period for severe autism applies when the insured person has reached the age of 5 or above.
5. Reinstatement of the accumulated coverage amount for early critical illness benefits and/or comprehensive baby protection, up to 100% of the original sum assured.
6. Waiver of premiums for the basic plan for 24 months from the next premium due date following diagnosis; if the diagnosis date is the premium due date, the waiver applies from 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.