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Sun Fit and Well Advantage 10

Your HMO pays the hospital. This pays you.

Cash for you from the day you’re diagnosed, through treatment and recovery at home. You pay for 10 years, and you’re covered up to age 100.

114 conditions coveredCash back from 65Pay for 10 years
Or type an amount

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

What you’d get

One plan, four ways it pays you.

Show for coverage of
if you’re diagnosed with a major illness (64 covered conditions)
for one of 16 covered cancers, with the extra 50% on first diagnosis
for a minor illness (34 conditions), and you stay covered for major ones
cash back from 65 to 72, at 5% a year, even if you never claim

Advantage also pays 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 35, here’s how your plan runs.

    Already have an HMO?

    Keep it. They do different jobs.

    Your HMO

    • Pays the hospital directly
    • Up to a yearly limit
    • Usually ends when you leave your job

    Fit and Well Advantage

    • Pays cash to you, to use however you need
    • Covers 114 conditions, minor to major
    • Stays with you, up to age 100

    Your HMO covers the hospital bill. This covers your life while you heal: maintenance meds, therapy, rent, and the income you miss while you recover.

    How it plays out over a lifetime

    Insured as a newborn, covered for a lifetime.

    1. Age 0Parents insure him for ₱1M and pay for 15 years.
    2. Age 5Hospitalized for dengue. Hospital benefits pay out.
    3. Age 50Kidney disease. A minor illness benefit pays out, and he stays covered.
    4. 65–72₱400,000 cash back, ₱50,000 a year.
    5. Age 73Kidney failure. The major illness benefit pays out.
    Total paid
    ₱389,850
    Total received
    ₱1,023,750
    Plus dividends, which are not guaranteed.

    Is it for you?

    Good fit, and good to know.

    A good fit if you

    • Are working, and your family depends on your income
    • Already have an HMO and want cash on top of it
    • Want large health coverage that stays with you
    • Want to finish paying while you’re still working

    Good to know

    • Available from birth up to age 60
    • The illness must be one of the covered conditions, and pre-existing conditions may be excluded
    • Dividends and the special bonus are not guaranteed
    • The younger and healthier you apply, the lower your premium

    Questions

    What people usually ask.

    Which version should I get?

    There are 3. Fit and Well covers illnesses. Fit and Well Plus adds cash back from age 65. Fit and Well Advantage, my best seller, adds both plus cash for hospital stays, follow-up check-ups, home recovery and palliative care.

    How do I pay?

    A fixed amount for 10, 15 or 20 years, yearly, every 6 months, every 3 months or monthly. Then you’re covered until age 100. The estimate on this page is for 10 years.

    What if I get a minor illness first?

    A minor illness pays part of your coverage, and you can still claim later for a major one.

    What if it’s cancer?

    You get an extra 50% of your coverage on first diagnosis of a covered cancer. On Advantage, the hospital, home recovery and palliative care benefits are also 50% higher.

    What if I never get sick?

    From age 65, you get 5% of your coverage every year for 8 years. You also get a special bonus when you finish paying, then yearly dividends you can withdraw or leave to grow (not guaranteed).

    What does my family get?

    Your coverage amount, until age 100, minus anything already paid out for minor illnesses or cash back.

    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 for your age and the coverage you want. No obligation, and you can ask me anything along the way.

    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 your actual premium may vary. Educational summary only, not a formal quote. Benefits, limits, issue ages and eligibility are subject to underwriting and the actual policy contract. Dividends and the special bonus are not guaranteed.