Sun Grepa First Aid Plus

Sun Grepa First Aid Plus is a 10-year term, hospital income plan that does not require any medical examination. It provides the following benefits:

• Fixed and guaranteed cash benefit per each day of confinement
• Cash benefit doubles if the confinement is in an Intensive Care Unit or if the confinement lasts for more than 30 consecutive days
• Lumpsum benefit in case of surgery
• Life and accident insurance
• Return of 50% or 75% of total original annual premiums paid will be returned at the end of the 10th policy year, regardless whether there were hospitalization claims paid during the policy term

The minimum DHI benefit is Php 2,000 per day. The maximum DHI benefit is Php 10,000 per day, provided that the insured does not have other hospital income plans with Sun Life Grepa.

Yes, there is a waiting period of 30 days from issue date of the policy or date of last reinstatement. If confinement is due to accident, waiting period is not applicable.

The maximum number of days payable is 90 days per admission. For multiple confinements, the insured may claim up to 180 days for sickness-related confinement and up to 365 days for accident-related confinement. 

Surgical Benefit is based on a pre-determined benefit schedule of surgical procedures defined in the policy contract. The Surgical Benefit payable per year is up to 10x of the DHI amount availed.

All duly-registered hospitals are covered. 

Hospital confinement due to any pre-existing conditions will be payable if the life insured is free of medical advice or treatment for 12 consecutive months from the first day of confinement for which a claim is being made. Otherwise, no benefit will be payable. 

The hospital income benefit must be filed by the policy owner-insured after his discharge from the hospital. In the event of a hospital confinement for a period exceeding 14 days, the owner-insured can request for a periodic payment but not more than twice a month.

Yes, hospitalization abroad is covered. 

ROP is computed based on the total regular annual premiums paid. Regular annual premiums exclude any modal interest (for non-annual payments) and extra premiums due to additional rating.

Yes, all policyholders are eligible to receive the ROP regardless of whether they have previous claims or none. 

The life insurance benefit is equal to the total regular annual premiums paid. In case the death is due to an accident, an additional benefit equal to the total regular annual premiums paid will be given to the beneficiaries.

You will have to keep on paying for 10 years in order to enjoy continuous coverage.