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Sun Life OFW Health Protect

You take care of your family. This takes care of you, wherever you work.

Cash for 114 conditions, from minor to major, whether you’re abroad or home. Yearly check-ups, cash back from age 65, and payments you can match to your contract. Apply while you’re here in the Philippines.

Covered wherever you work114 conditionsCash back from 65
Or type an amount

Estimate for the base plan at the coverage you pick (minimum ₱300,000), paying for 10 years. Riders cost extra. Your exact premium comes with your proposal.

What you’d get

Covered abroad and at home, with cash back later.

Show for coverage of
cash if diagnosed with a major illness (64 conditions)
more on first diagnosis of a covered cancer
for a minor illness, and you can still claim later
cash back from age 65, 5% a year for 8 years, even if you never claim
Included
yearly check-up, flu or pneumonia shot, or teleconsults from year 2
3 to 12
installments a year, to match your work contract

Plus cash for hospital stays, follow-up check-ups, home recovery and palliative care, 50% higher if it’s cancer. Amounts scale with the coverage you choose.

Your timeline

Starting at 30, here’s how your plan runs.

    Have a health card from work?

    Keep it. This one stays with you.

    OFW Health Protect

    • Pays cash to you, to use however you need
    • Covers you abroad and at home
    • Stays with you between contracts, up to age 100

    Your work health card

    • Pays the hospital or clinic
    • Up to a yearly limit
    • Usually ends when your contract ends

    Your work card covers the hospital bill. This covers your life while you heal: the income you miss, your family’s needs back home, and your recovery.

    Sample illustration for age 30

    Eduardo starts at 30. The plan was there when it counted.

    1. Age 30A restaurant manager in the UAE, Eduardo gets ₱1M coverage while home on vacation. He pays for 10 years.
    2. Age 55Diagnosed with a covered cancer. The plan pays him cash for treatment and recovery.
    3. 65–72Cash back every year, even after his claim.
    Total received
    ₱1,014,375
    Not counting the special bonus and dividends, which are not guaranteed.

    Is it for you?

    Good fit, and good to know.

    A good fit if you

    • Work abroad or at sea, and your family depends on you
    • Want health cover that stays with you between contracts
    • Want cash on top of your work health card
    • Want to finish paying while you’re still working abroad

    Good to know

    • Available from age 18 to 50, for overseas Filipino workers
    • You need to be in the Philippines to apply, so plan it around your vacation
    • The illness must be a covered condition, and pre-existing conditions may be excluded
    • The check-up, vaccine and teleconsult benefits may change

    Questions

    What people usually ask.

    Who can apply?

    Overseas Filipino workers, including seafarers. You need to be physically in the Philippines when you apply, so it’s best done while you’re home on vacation.

    How do I pay?

    A fixed amount for 10, 15 or 20 years, yearly, every 6 months, every 3 months or monthly. You can also pay in 3, 6, 9 or 12 installments a year to match your contract. The estimate on this page is for 10 years.

    What does it cover?

    114 conditions: 64 major illnesses, 34 minor ones and 16 specific cancers. Plus cash for each day in the hospital, home recovery, follow-up check-ups and palliative care.

    What if it’s cancer?

    An extra 50% of your coverage on first diagnosis of a covered cancer, and 50% more on your hospital, recovery and palliative care benefits.

    What do I get if I stay healthy?

    Yearly check-ups or teleconsults from year 2, and from age 65, 5% of your coverage every year for 8 years. Plus a special bonus when you finish paying, then dividends (not guaranteed).

    Can I cover my kids too?

    Yes, with a separate plan for them. Message me and I’ll show you how.

    How do I get my exact numbers?

    Tap “Get my free proposal” and leave your details, or message me. I’ll send your exact premium and benefits for your age, coverage and payment term.

    Next step

    Want your exact numbers? It’s free.

    Get a proposal before your next flight out. No obligation, and you can ask me anything along the way, even from abroad.

    Message me to know more

    Prefer to talk now?

    0962 385 8115 donnadel.g.nuqui@sunlife.com.ph Compare all plans

    Prices shown are estimated premiums for the base plan only, non-smoker, paying for 10 years, worked out from the premium at the minimum coverage of ₱300,000 and scaled to the coverage you pick. Riders and add-ons cost extra and are not included. Ages between benchmark points are estimated. These are estimates only and the actual premium may vary. The age-30 example is a sample illustration. The special bonus and dividends are not guaranteed. Educational summary only, not a formal quote. Benefits, limits, issue ages and eligibility are subject to underwriting and the actual policy contract.