Sun Grepa First Aid Plus

You will be entitled to the following benefits:

Hospitalization Benefits

• Daily Hospital Income (DHI) - A fixed cash benefit will be provided for each day of hospital confinement¹.
• Maximum of 180 days per year for sickness
• Maximum of 365 days per year for accident
• Maximum of 90 days per hospital admission
• Long-term Hospital Income (LTHI) - Additional cash benefit per day will be provided if hospitalization exceeds 30 days with respect to the same confinement.
• Maximum of 180 days per year for sickness
• Maximum of 35 days per year for accident
• Maximum of 60 days per hospital admission

• Intensive Care Unit Income (ICU) - Additional cash benefit per day will be provided in case of confinement in the ICU
• Maximum of 180 days per year, whether confinement is due to sickness or accident
• Maximum of 90 days per hospital admission
• Surgical Expense Benefit - An additional lump sum cash benefit will be provided in the event a covered surgical operation is performed, subject to the amounts and limits as specified in the benefit schedule.

Protection Benefits

• Life Insurance Protection - In case of untimely passing, this plan will provide your family a lump sum cash benefit equal to the total of original annual premiums²
• Accidental Death Benefit (built-in) - In case of untimely passing due to accident, additional cash benefit equal to the total of original annual premiums² paid will also be given.
• Total Disability Benefit (built-in) - This plan offers you waiver of premiums in case of total and permanent disability.

Money Back Feature

• Return of Premium (ROP) - If you outlive the protection period, 50% or 70% of the original annual premiums² paid will be given back to you at the end of the 10th policy year, with or without hospitalization.

¹Confinement in a Hospital as a resident in-patient for at least 24 hours for the treatment of Injury or Sickness commencing after the 30-day waiting period, if applicable. The confinement must be recommended by a Physician and must occur during the effectivity of the policy.

²Original annual premium is the annual premium at policy effective date, excluding any extra premium and/or modal loadings without interest.

Note: Benefits indicated here are subject to the specific guidelines set by Sun Life Grepa and the actual provisions of the insurance policy contract. This product is subject to exclusions and/or provisions on pre-existing conditions and gives the client the right to a cooling-off period, as stated in the insurance policy contract.

Waiting Period:

A waiting period of 30 days applies before the benefit becomes payable for any hospital confinement that may arise due to sickness of the life insured from the date the benefit comes into force, or from the date of last reinstatement, whichever is later. If hospital confinement is due to injury from accident, the waiting period does not apply.

Pre-Existing Conditions:

During the first twelve (12) months from the effective date of this policy or date of last reinstatement, no benefits will be provided for Hospital Confinement due to any pre-existing conditions.

Pre-Existing Condition refers to sickness or Injury which existed or was existing, or where the life insured had knowledge, signs or symptoms of the injury or sickness, or where medical advice or treatment or any laboratory test or investigation showed the presence of the injury or sickness, within two (2) years prior to the effective date of the policy or date of last reinstatement, whichever is later.

Once a pre-existing condition is covered, such condition will be treated as covered injury or sickness already, unless the policy has lapsed and has been reinstated.

Hospital Income Benefit Exclusions:

No benefit will be paid in case hospital confinement of the life insured is caused by or resulting from any of the following:

• Confinement in a hospital due to Sickness during the waiting period of 30 days from the date this benefit comes into force, or its last reinstatement whichever is later;
• Pre-existing conditions subject to the provision on pre-existing condition as defined in the policy;
• Attempted suicide or self-inflicted injury while sane or insane;
• War, declared or undeclared, insurrection, riots, rebellion, civil commotion or hostile action of armed forces;
• Abuse of drug or alcohol;
• Committing or attempting to commit a criminal offense;
• Nervous or mental disorder;
• Pregnancy, childbirth, miscarriage or abortion or complication of any of these;
• Congenital deformities or defects;
• Routine physical check-up and rest cures;
• Cosmetic or plastic surgery, except as a result of Injury and recommended by a physician;
• Any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, deprivation or variations thereof;
• Engaging in aviation other than as a fare paying passenger on a licensed public or chartered air service;
• Engaging in/practicing for/training or taking part in scuba diving, any form of Combat, any kind of racing on horse or wheel, climbing or mountaineering necessitating the use of ropes or guides, parachuting, hang gliding, hunting, extreme or professional sports with the exception of basketball;
• Hospital Confinement for rest cures, periodic checkups, any dental work, dental treatment or eye examination except as a result of Injury;
• Inhaling any gas or fumes, except if inhalation is accidental AND in the course of duty;

Accidental Death Benefit Exclusions:

No benefit will be paid in case of death from any of the following:

• Homicide;
• Suicide;
• Poison, carbon monoxide or drug overdose;
• Self-inflicted firearm injury;
• Committing a criminal offense;
• Insurrection, civil commotion or hostile action of armed forces whether or not the life insured was actually participating therein;
• Engaging in aviation other than as a fare paying passenger on a licensed public or chartered air service;
• Engaging in/practicing for/training or taking part in scuba diving, any form of Combat, any kind of racing on horse or wheel, climbing or mountaineering necessitating the use of ropes or guides, parachuting, hang gliding, hunting, extreme or professional sports with the exception of basketball.

Total Disability Benefit Exclusions:

No premiums shall be waived in case condition is:

• Lasting less than six months except for total, permanent and irrecoverable loss of all vision in both eyes, or severance of two limbs at or above the wrist or ankle;
• From self-inflicted injuries;
• From insurrection, civil commotion or hostile action of armed forces, whether or not the life insured is actually participating therein;
• From injury sustained of disease contracted, in either event, before applying for this benefit unless the injury or disease was disclosed in the application;
• From drug or alcohol abuse;
• From mental and nervous conditions;
• From committing or attempting to commit a criminal offense

Note: The above information is intended as a general summary and for reference only. Important information about this product is contained in the insurance policy contract. Should there be any discrepancy between the statement(s) contained in this page and the insurance policy contract, the provisions of the insurance policy contract will prevail.

FINANCIAL PRODUCTS OF SUN LIFE GREPA FINANCIAL, INC. ARE NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION AND ARE NOT GUARANTEED BY THE RIZAL COMMERCIAL BANKING CORPORATION.