Sun eMediCare Income is an individual yearly renewable medical and health insurance plan that provides comprehensive hospital income coverage up to age 70.
This plan provides daily hospital income benefit in the event the life assured is hospitalised due to all causes (illnesses or accidental causes). In the event life assured is hospitalised due to specified infectious diseases*, hospitalized in overseas or confined in an intensive care unit of a hospital an additional daily hospital income benefit will be payable.
* Specified infectious diseases refer to Dengue Fever, Chikungunya Fever, Malaria, Japanese Encephalitis, Avian Influenza or Zika Virus Infection.
Daily Hospital Income Benefit
Specified Infectious Diseases Daily Hospital Income Benefit
Overseas Daily Hospital Income Benefit
Intensive Care Unit Daily Hospital Income Benefit
Coverage due to all causes and covers both local and overseas hospital
Covered until aged 70
Just a simple health declaration to start protection
Sun eMediCare Income is an individual yearly renewable medical and health insurance plan that provides comprehensive daily hospital income coverage up to age 70.
This plan provides daily hospital income benefit in the event the life assured is hospitalised due to all causes (illness or accidental causes).
This plan also provides additional daily hospital income benefit if the life assured is hospitalised due to specified infectious diseases*, hospitalised in overseas, or confined in an intensive care unit of a hospital.
* Specified infectious diseases refer to Dengue Fever, Chikungunya Fever, Malaria, Japanese Encephalitis, Avian Influenza or Zika Virus Infection. Please refer to the policy document for the definition of specified infectious disease.
This plan is underwritten by Sun Life Malaysia Assurance Berhad (197499-U), an insurer registered with Bank Negara Malaysia under the Financial Services Act 2013.
The premium that you need to pay depends on your age, gender and selected plan. Please note that the premium rates are non-guaranteed and will increase according to your attained age upon policy anniversary. Kindly refer to the Product Disclosure Sheet for the amount that you need to pay.
Yes. Subject to our approval, you may change the frequency of premium payments upon policy renewal by giving us written notice before the expiry of the grace period*.
* Grace period of 30 days is given from the premium due date for the payment of premium. If you do not pay the premium within 30 days grace period from the premium due date, your policy will lapse with immediate effect.
No benefit shall be payable if the hospitalisation of the life assured is resulted directly or indirectly from, or as a result of the following:
Exclusion on covered event due to Specified Infectious Diseases
No benefit shall be applicable or payable if the hospitalisation of the life assured incurred directly or indirectly, wholly or partly, by any of the following occurrence:
Yes, you can cancel the policy after purchasing it. You are given a free look period of 15 days from the delivery date of the policy. During this period, you should review your policy to ensure it is suitable for you and it meets your needs. If you decide not to take up the policy for whatever reason after it has been issued, you may cancel the policy by giving written notice to us within the free look period. We will refund any premium paid.
If you cancel after 15 days from the delivery of the policy, you will be covered under the policy until the date when the next premium becomes due. There will be no cash value or pro-rated premium payable.
The claim form can be downloaded here or can be found in our website at sunlifemalaysia.com.
The completed claim form together with the necessary documents can be submitted manually at our head office or online via our website. For more information on how to make a claim and the additional documents required, go to;
Sun Life Malaysia Assurance Berhad (197499-U)
Sun Life Malaysia Takaful Berhad (689263-M))
Level 11, 338 Jalan Tuanku Abdul Rahman
50100 Kuala Lumpur
Monday - Friday
8.30am - 5.30pm