Medical expenses are increasing by 9% or more each year.1 Cancer makes up 78% of critical illness claims for Sun Life Hong Kong 2, and usually requires intensive medical treatments.

How Can SunHealth Medical Care Help? Our SunHealth Medical Care is a comprehensive medical plan from which you can choose benefits to best suit your protection needs. 1. Comprehensive coverage – enables you to obtain the right medical treatments and relieve your financial burden from unexpected health issues. 2. Discount and loyalty bonuses – recognizes you for maintaining good health and continuing your medical protection over a long term basis. 3. Day-surgery arrangement at your convenience – treatment in clinics through a network of specialists to offer you convenience and a saving in time. 4. Extra peace of mind – provides you access to services to extend care to your family, if you need hospitalization in Mainland China and emergency assistance worldwide.

Source: Towerswatson.com – Global average medical trend rates by country: 2011 – 2014, 2014 Global Medical Trends Survey Report. Source: Sun Life Hong Kong Limited - Claim statistics of critical illness in 2014. You can choose to purchase our Optional Supplementary Benefit and Optional Female Benefit. Only available to insureds who are HKID cardholders with no extra exclusions and extra premiums. You can only exercise this option once per life and only when the insured reaches the age of 30, 40, 50 or 60 (subject to our maximum medical coverage per life and other terms and conditions of the Policy Document). This option is only available to Plan 1 and Plan 2 and is limited to hospitalization and surgical benefit plans as applicable to this benefit. 5. Subject to terms and conditions of the Policy Document. Please note that for Optional Female Benefit, guaranteed renewal is up to age 50 only. 6. Please refer to the terms and conditions of the Policy Document for eligibility. 7. The bonus is payable every 10 years based on premium determined on annual payment mode before the No Claim Discount. Not applicable to premiums for supplementary benefits and extra premiums. 8. Provided you do not make any inpatient hospitalization and surgical claims for three or more consecutive policy years. However, secondary inpatient claim will not affect your entitlement to No Claim Discount. 9. Provided you do not otherwise claim any confinement benefits and as per our terms and conditions of the Policy Document. 10. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Medical Orientation Benefit. The insured must have been continuously covered under SunHealth Medical Care for a minimum period of 180 days in order to enjoy this benefit. This is an administrative arrangement only applicable in Hong Kong for payment of covered expenses for charges related to surgery including surgery fees, instrument and miscellaneous items cost, but not a benefit under policy provisions or guaranteed arrangement. Sun Life reserves the right to terminate or vary the service at its sole discretion without prior notice. Sun Life will pay the medical charges to the relevant clinic/day-surgery centre on behalf of the insured after successful day surgery arrangement, but if the actual medical expense incurred (which may vary with the insured’s condition, case complexity and individual doctors charge incurred, etc.) exceed the covered expenses pre-approved by Sun Life, the excess will not be covered. In such a case, the insured is required to pay the shortfall when discharged from the clinic/day-surgery centre. The benefits, services and renewal of this service are provided by I.P.A., a third party and are not guaranteed. 11. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Family Care Benefit which is applicable in Hong Kong only. The benefits, services and renewal of the same are not guaranteed. 12. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the MedPass Service. The benefits, services and renewal of the same are not guaranteed. 13. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Worldwide Emergency Assistance Benefit. The benefits, services and renewal of the same are not guaranteed. 14. Please refer to the terms and conditions of the Policy Document regarding Premium, Revision of Benefit and Renewal for details. 15. If SunHealth Medical Care is attached to a basic plan, the benefit period and payment period of SunHealth Medical Care Rider/ Optional Supplementary Benefit / Optional Female Benefit will be up to the benefit period of the basic plan. Please refer to our terms and conditions of the Policy Document for details. 16. If the policy currency is RMB, you may choose to pay your premiums in RMB and to receive benefits in Hong Kong Dollars at an exchange rate determined by Sun Life Hong Kong from time to time. Due to exchange rate fluctuations, there is a risk that RMB will depreciate or appreciate against Hong Kong Dollars. You may be affected by such fluctuations if you choose to receive your benefits in Hong Kong Dollars. 17. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. You may have to allow time for conversion of RMB from/to another currency if your amount exceeds the applicable daily limit. 18. Disability refers to an accidental injury or sickness. Please refer to the terms and conditions of the Policy Document for details. 19. Please refer to the terms and conditions of the Policy Document relating to the claims restriction on the surgical operations classified as clinical surgery. 20. Only applicable to pregnancies commencing 10 months after the time the policy/rider is effective, issued or reinstated, whichever is the latest.

Protecting your health every step of the way

Exclusions:

We will not pay any claim directly or indirectly caused by any of the following: 1. Any sickness of which signs or symptoms first occur within 30 days after the policy/rider is effective, issued or reinstated, whichever is the latest. Any cancer and chronic and irreversible kidney failure which signs or symptoms first occur within 90 days after the policy/rider is effective issued or reinstated, whichever is the latest; 2. Any pre-existing condition which occurs before the policy/rider is effective issued or reinstated, whichever is the latest; 3. Any pregnancy which commences within 10 months after the policy/rider is effective, issued or reinstated, whichever is the latest (Applicable to Optional Female Benefit only) ; 4. The Insured’s committing or attempting to commit suicide or self-inflicted injury, while the Insured is sane or insane; 5. The Insured’s committing or attempting to commit a criminal offence or participating in any brawl; 6. Unreasonable failure to seek or follow medical advice; 7. The Insured’s participating in any kind of racing on horse or wheel, any form of combat or scuba diving; 8. The Insured’s flying or undertaking any other aerial activity except as a fare-paying passenger on a licensed public or chartered air service; 9. Childbirth, pregnancy, miscarriage or abortion, whether or not this event may have been accelerated or induced by an Accident, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 10. The Insured’s taking or absorbing or being under the influence of, accidentally or otherwise, any alcohol, drug, narcotic, medicine, sedative or poison, except as prescribed by a Doctor; 11. Routine physical examinations, health check-ups or tests, rest cure, sanatorium care, vaccinations, immunizations, injections or preventive medication, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 12. Any Treatment, investigations or Confinement which is not Medically Necessary or where the Insured has applied for home leave or otherwise left the Hospital (whether for any time or for all the remaining Confinement period) during a Confinement period, we will not cover the days in which he or she took the relevant leave; 13. Any Treatment or investigation related to dental, gum or jaw bone conditions, Treatment of refractive errors, cosmetic surgery or plastic surgery, except and to the extent that any such Treatment is necessary for cure or alleviation of Accidental Injury to the Insured and not being replacement of natural teeth or installation, removal or replacement of denture; 14. Treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female reproductive organs, unless the Insured has been continuously covered under the Basic Plan/Rider for a period of 120 days immediately preceding the manifestation of signs and symptoms of such disease; 15. Special nursing care, prepaid expenses for use after discharged from Hospital or after the day the surgical operation is performed in clinic, or charges and expenses for wheelchair, iron-lung, artificial limbs, braces, crutches or other prosthetic devices or Hospital equipment, except for the rental of such devices or equipment during the Confinement period; 16. Venereal diseases, sexually transmitted diseases, infertility, sterilisation, psychiatric treatment, mental or nervous diseases or disorders, or congenital deformities or anomalies, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 17. Any human immunodeficiency virus (HIV) and/or any HIV-related illnesses including acquired immune deficiency syndrome (AIDS) and/or any mutations, derivations or variations thereof; 18. War (whether declared or undeclared), insurrection, civil war or any warlike operation, whether or not the Insured was actively participating in them; 19. Atomic explosion, nuclear fission or radioactive gas; or 20. Charges for non-medical services such as internet access, telephone, television, radio, photocopy, medical report charges, taxes and the like.

SunHealth Medical Care

This leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong Limited outside Hong Kong. Please refer to the Policy Document for details including full terms and conditions and exclusions. If there is any conflict between the Policy Document and this leaflet, the Policy Document shall prevail.

Sun Life Hong Kong Limited (Incorporated in Bermuda) Sun Life Financial Cafe 8/F, Sun Life Tower, The Gateway, 15 Canton Road, Kowloon, Hong Kong www.sunlife.com.hk A member of the Sun Life Financial group of companies. Head Office in Toronto, Canada Issued by Sun Life Hong Kong Limited

Printed in August 2015

Staying healthy is vital for a brighter life. With good health, you can focus on pursuing your lifestyle goals. However, as the medical expenses continue to rise, if you become sick or injured in an accident, do you have sufficient savings to enable you to receive the right medical treatment as well as maintaining your quality of living?

1. 2. 3. 4.

9010212-E

Why do you need medical protection?

Notes:

Medical expenses are increasing by 9% or more each year.1 Cancer makes up 78% of critical illness claims for Sun Life Hong Kong 2, and usually requires intensive medical treatments.

How Can SunHealth Medical Care Help? Our SunHealth Medical Care is a comprehensive medical plan from which you can choose benefits to best suit your protection needs. 1. Comprehensive coverage – enables you to obtain the right medical treatments and relieve your financial burden from unexpected health issues. 2. Discount and loyalty bonuses – recognizes you for maintaining good health and continuing your medical protection over a long term basis. 3. Day-surgery arrangement at your convenience – treatment in clinics through a network of specialists to offer you convenience and a saving in time. 4. Extra peace of mind – provides you access to services to extend care to your family, if you need hospitalization in Mainland China and emergency assistance worldwide.

Source: Towerswatson.com – Global average medical trend rates by country: 2011 – 2014, 2014 Global Medical Trends Survey Report. Source: Sun Life Hong Kong Limited - Claim statistics of critical illness in 2014. You can choose to purchase our Optional Supplementary Benefit and Optional Female Benefit. Only available to insureds who are HKID cardholders with no extra exclusions and extra premiums. You can only exercise this option once per life and only when the insured reaches the age of 30, 40, 50 or 60 (subject to our maximum medical coverage per life and other terms and conditions of the Policy Document). This option is only available to Plan 1 and Plan 2 and is limited to hospitalization and surgical benefit plans as applicable to this benefit. 5. Subject to terms and conditions of the Policy Document. Please note that for Optional Female Benefit, guaranteed renewal is up to age 50 only. 6. Please refer to the terms and conditions of the Policy Document for eligibility. 7. The bonus is payable every 10 years based on premium determined on annual payment mode before the No Claim Discount. Not applicable to premiums for supplementary benefits and extra premiums. 8. Provided you do not make any inpatient hospitalization and surgical claims for three or more consecutive policy years. However, secondary inpatient claim will not affect your entitlement to No Claim Discount. 9. Provided you do not otherwise claim any confinement benefits and as per our terms and conditions of the Policy Document. 10. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Medical Orientation Benefit. The insured must have been continuously covered under SunHealth Medical Care for a minimum period of 180 days in order to enjoy this benefit. This is an administrative arrangement only applicable in Hong Kong for payment of covered expenses for charges related to surgery including surgery fees, instrument and miscellaneous items cost, but not a benefit under policy provisions or guaranteed arrangement. Sun Life reserves the right to terminate or vary the service at its sole discretion without prior notice. Sun Life will pay the medical charges to the relevant clinic/day-surgery centre on behalf of the insured after successful day surgery arrangement, but if the actual medical expense incurred (which may vary with the insured’s condition, case complexity and individual doctors charge incurred, etc.) exceed the covered expenses pre-approved by Sun Life, the excess will not be covered. In such a case, the insured is required to pay the shortfall when discharged from the clinic/day-surgery centre. The benefits, services and renewal of this service are provided by I.P.A., a third party and are not guaranteed. 11. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Family Care Benefit which is applicable in Hong Kong only. The benefits, services and renewal of the same are not guaranteed. 12. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the MedPass Service. The benefits, services and renewal of the same are not guaranteed. 13. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Worldwide Emergency Assistance Benefit. The benefits, services and renewal of the same are not guaranteed. 14. Please refer to the terms and conditions of the Policy Document regarding Premium, Revision of Benefit and Renewal for details. 15. If SunHealth Medical Care is attached to a basic plan, the benefit period and payment period of SunHealth Medical Care Rider/ Optional Supplementary Benefit / Optional Female Benefit will be up to the benefit period of the basic plan. Please refer to our terms and conditions of the Policy Document for details. 16. If the policy currency is RMB, you may choose to pay your premiums in RMB and to receive benefits in Hong Kong Dollars at an exchange rate determined by Sun Life Hong Kong from time to time. Due to exchange rate fluctuations, there is a risk that RMB will depreciate or appreciate against Hong Kong Dollars. You may be affected by such fluctuations if you choose to receive your benefits in Hong Kong Dollars. 17. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. You may have to allow time for conversion of RMB from/to another currency if your amount exceeds the applicable daily limit. 18. Disability refers to an accidental injury or sickness. Please refer to the terms and conditions of the Policy Document for details. 19. Please refer to the terms and conditions of the Policy Document relating to the claims restriction on the surgical operations classified as clinical surgery. 20. Only applicable to pregnancies commencing 10 months after the time the policy/rider is effective, issued or reinstated, whichever is the latest.

Protecting your health every step of the way

Exclusions:

We will not pay any claim directly or indirectly caused by any of the following: 1. Any sickness of which signs or symptoms first occur within 30 days after the policy/rider is effective, issued or reinstated, whichever is the latest. Any cancer and chronic and irreversible kidney failure which signs or symptoms first occur within 90 days after the policy/rider is effective issued or reinstated, whichever is the latest; 2. Any pre-existing condition which occurs before the policy/rider is effective issued or reinstated, whichever is the latest; 3. Any pregnancy which commences within 10 months after the policy/rider is effective, issued or reinstated, whichever is the latest (Applicable to Optional Female Benefit only) ; 4. The Insured’s committing or attempting to commit suicide or self-inflicted injury, while the Insured is sane or insane; 5. The Insured’s committing or attempting to commit a criminal offence or participating in any brawl; 6. Unreasonable failure to seek or follow medical advice; 7. The Insured’s participating in any kind of racing on horse or wheel, any form of combat or scuba diving; 8. The Insured’s flying or undertaking any other aerial activity except as a fare-paying passenger on a licensed public or chartered air service; 9. Childbirth, pregnancy, miscarriage or abortion, whether or not this event may have been accelerated or induced by an Accident, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 10. The Insured’s taking or absorbing or being under the influence of, accidentally or otherwise, any alcohol, drug, narcotic, medicine, sedative or poison, except as prescribed by a Doctor; 11. Routine physical examinations, health check-ups or tests, rest cure, sanatorium care, vaccinations, immunizations, injections or preventive medication, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 12. Any Treatment, investigations or Confinement which is not Medically Necessary or where the Insured has applied for home leave or otherwise left the Hospital (whether for any time or for all the remaining Confinement period) during a Confinement period, we will not cover the days in which he or she took the relevant leave; 13. Any Treatment or investigation related to dental, gum or jaw bone conditions, Treatment of refractive errors, cosmetic surgery or plastic surgery, except and to the extent that any such Treatment is necessary for cure or alleviation of Accidental Injury to the Insured and not being replacement of natural teeth or installation, removal or replacement of denture; 14. Treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female reproductive organs, unless the Insured has been continuously covered under the Basic Plan/Rider for a period of 120 days immediately preceding the manifestation of signs and symptoms of such disease; 15. Special nursing care, prepaid expenses for use after discharged from Hospital or after the day the surgical operation is performed in clinic, or charges and expenses for wheelchair, iron-lung, artificial limbs, braces, crutches or other prosthetic devices or Hospital equipment, except for the rental of such devices or equipment during the Confinement period; 16. Venereal diseases, sexually transmitted diseases, infertility, sterilisation, psychiatric treatment, mental or nervous diseases or disorders, or congenital deformities or anomalies, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 17. Any human immunodeficiency virus (HIV) and/or any HIV-related illnesses including acquired immune deficiency syndrome (AIDS) and/or any mutations, derivations or variations thereof; 18. War (whether declared or undeclared), insurrection, civil war or any warlike operation, whether or not the Insured was actively participating in them; 19. Atomic explosion, nuclear fission or radioactive gas; or 20. Charges for non-medical services such as internet access, telephone, television, radio, photocopy, medical report charges, taxes and the like.

SunHealth Medical Care

This leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong Limited outside Hong Kong. Please refer to the Policy Document for details including full terms and conditions and exclusions. If there is any conflict between the Policy Document and this leaflet, the Policy Document shall prevail.

Sun Life Hong Kong Limited (Incorporated in Bermuda) Sun Life Financial Cafe 8/F, Sun Life Tower, The Gateway, 15 Canton Road, Kowloon, Hong Kong www.sunlife.com.hk A member of the Sun Life Financial group of companies. Head Office in Toronto, Canada Issued by Sun Life Hong Kong Limited

Printed in August 2015

Staying healthy is vital for a brighter life. With good health, you can focus on pursuing your lifestyle goals. However, as the medical expenses continue to rise, if you become sick or injured in an accident, do you have sufficient savings to enable you to receive the right medical treatment as well as maintaining your quality of living?

1. 2. 3. 4.

9010212-E

Why do you need medical protection?

Notes:

Comprehensive coverage

SCHEDULE OF BENEFITS

SunHealth Medical Care offers a range of hospitalization and surgical benefits with generous limits including cancer and kidney dialysis treatments, consultation before and after surgery as well as chiropractic, acupuncture and physiotherapy treatments. By adding optional coverage, you can enjoy a further increase in benefit limits in general or to meet the specific needs of mothers-to-be 3. As we get older, our need for healthcare grows but it also becomes harder to obtain insurance. With the SunHealth Medical Care plan, you can purchase additional insurance for the same insured person regardless of his or her health status 4. To ensure that you have continued protection, our plans offer a guaranteed renewal up to age 1005.

Each benefit is subject to the Maximum Amount of Benefit per Disability18 shown in the Schedule of Benefits. You

Discounts and loyalty bonuses To recognize you for maintaining good health, you can enjoy a No Claim Discount of 15% if you do not make any hospitalization claims over 3 consecutive policy years 6. Even better, your eligibility to the No Claim Discount will not be affected by claims for a day-surgery treatment or if your claim for hospitalization has been partially reimbursed by other insurance companies. In addition, as we hope that you maintain medical protection on a long term basis to guard against unexpected health issues, we will give you a loyalty bonus of 5% off the standard annual premium every 10 years as long as the plans7 are in force!

Day-surgery arrangement at your convenience Advancement in medical technology means certain surgeries can be safely performed in clinics/day-surgery centres without the need to stay in a hospital. With SunHealth Medical Care, you can enjoy the coverage of daysurgery whether you visit one of the network of specialists or your own doctors. As mentioned earlier, in addition to saving you time, you can enjoy a No Claim Discount of 15% for your future premiums8 by opting for day-surgery treatments9. Moreover, when you visit one of the network of specialists and undergo selected day-surgeries in their clinics, we will settle your medical bill directly, reducing delays in time and claim documents10.

may only make a new claim if you are admitted to a hospital after at least 90 days from the date of last discharge. Maximum Benefit per Disability Benefit Hospitalization and Surgical Benefit

BASIC FACTS Issue Age

15 days – age 75

Benefit Period 14, 15

Guaranteed renewable up to age 100

Plan 1

Plan 2

Plan 3

Reimburses the actual room and board charges for the period of confinement.

HKD760 / USD95 / RMB665 per day

HKD1,600 /USD200 /RMB1,400 per day

HKD4,000/USD500 / RMB3,500 per day

2. Daily Doctor’s Visit Benefit (max. 180 days)

Reimburses the actual amount charged by the attending doctor.

HKD760 / USD95 / RMB665 per day

HKD1,600 /USD200 /RMB1,400 per day

HKD4,000/ USD500 / RMB3,500 per day

3. Miscellaneous Expenses Benefit

Reimburses the actual charges for customary services prescribed in the hospital or clinic in respect of the disability.

4. Surgical Fees Benefit

Reimburses actual surgical fees for operations in the hospital or clinic not exceeding a specific percentage (varies by surgery) of the maximum surgical fees benefit.19 Reimburses the actual anaesthetist’s fees charged for the surgical operation. Reimburses the actual operating theatre fees charged for the surgical operation. Reimburses the actual amount charged by a specialist as recommended by the attending doctor during confinement.

HKD10,000/ USD1,250 / RMB8,750 HKD40,000 / USD5,000 / RMB35,000

HKD21,000 / USD2,625 / RMB18,375 HKD65,000/ USD8,125 / RMB56,875

HKD35,000/ USD4,375 / RMB30,625 HKD88,000 / USD11,000 / RMB77,000

5. Anaesthetist’s Fees Benefit 6. Operating Theatre Fees Benefit 7. Specialist Consultation Fees Benefit 8. Intensive Care Room and Board Benefit 9. Extra Bed for Family Members of Children and Elderly Benefit (max. 30 days) 10. Cancer Treatment Benefit (per life) 11. Kidney Dialysis Treatment Benefit (per life) 12. Home Nursing Benefit

13. Chiropractor / Acupuncturist / Physiotherapist Benefit 14. Pre- and Post-surgical Out-patient Care Benefit

Reimburses the actual room and board expenses in excess of the maximum amount payable under Daily Hospital Room and Board Benefit, when the Insured is admitted to the Intensive Care Unit of a hospital. Reimburses actual charges for an extra bed for the insured’s family member who accompanies the insured aged below 19 or aged 60 or above during the confinement. Reimburses actual expenses incurred for customary chemotherapy, radiotherapy, biological therapy and target therapy for cancer treatment during confinement or in a clinic after confinement or after surgery upon recommendation by the attending doctor. Reimburses actual expenses incurred for kidney dialysis in treating chronic and irreversible kidney failure during confinement or in a clinic after confinement or after surgery upon recommendation by the attending doctor. • Reimburses actual expenses for services provided by a qualified nurse immediately after confinement or after surgery as recommended by the attending doctor. • For insured that attains the age of 60 or above, the maximum number of days will be doubled. Reimburses actual charges for treatment received recommended by the attending doctor within three months immediately after confinement or after surgery. Including pre-surgical visits within one month before surgery, and all related post-surgical follow-up visits within three months immediately after the performance of such surgery on an out-patient basis by the attending doctor.

Maximum Benefit Benefit

HKD20,000 / USD2,500 / RMB17,500

HKD25,000/ USD3,125 / RMB21,875

HKD10,000/ USD1,250 / RMB8,750 HKD30,000/ USD3,750 / RMB26,250

HKD200 / USD25 / RMB175 per day

HKD360 / USD45 / RMB315 per day

HKD520 / USD65 / RMB455 per day

HKD60,000/ USD7,500 / RMB52,500

HKD100,000 / USD12,500 / RMB87,500

HKD150,000 / USD18,750 / RMB131,250

HKD60,000/ USD7,500 / RMB52,500

HKD100,000 / USD12,500 / RMB87,500

HKD150,000 / USD18,750 / RMB131,250

HKD280 / USD35 / RMB245 per day (max. 10 consecutive days)

HKD680 / USD85 / RMB595 per day (max. 15 consecutive days)

HKD1,480 / USD185 /RMB1,295 per day (max. 15 consecutive days)

Hospitalization and Surgical Benefit

Optional Supplementary Benefit 15 days – age 70

Optional Female Benefit

Reimburses the actual charges for treatment received at a hospital’s out-patient department within 24 hours of an accident.

HKD4,000/ USD500 / RMB3,500

HKD8,000 / USD1,000 / RMB7,000

HKD14,000 / USD1,750 / RMB12,250

16. Death or Surgical Benefit Due to Medical Negligence in Hospital

Payable for death or surgical operation occurring within 30 days of the medical negligence incident by a doctor or qualified nurse in the relevant hospital.

Payable for confinement in the general ward of a hospital wholly funded by the Hong Kong Government and operated by the Hospital Authority where the insured is a holder of a Hong Kong Identity Card. Only available to basic plan

Death: HKD80,000 / USD10,000 / RMB70,000 Surgery: HKD10,000 / USD1,250 / RMB8,750 (max. HKD80,000 / USD10,000 / RMB70,000 per incident) HKD700 / USD87.5 /RMB612.5 per day

Death: HKD160,000 / USD20,000 / RMB140,000 Surgery: HKD20,000 / USD2,500 /RMB17,500 (max. HKD160,000 / USD20,000 / RMB140,000 per incident) HKD1,000/ USD125 / RMB875 per day

Death: HKD320,000 /USD40,000 /RMB280,000 Surgery: HKD40,000 /USD5,000 /RMB35,000 (max. HKD320,000 / USD40,000 / RMB280,000 per incident) HKD2,000 /USD250 /RMB1,750 per day

HKD10,000

HKD20,000

HKD30,000

Age 18 – age 45 Guaranteed renewable up to age 50

(Please note that benefits may be revised by Sun Life Hong Kong to reflect various factors including but not limited to medical developments and medical inflation.) Payment Period 15

Up to age 100

Premium Structure 14

Annually renewable. Premium amount is determined based on the attained age and varies with age and other factors. Premiums are not guaranteed and may be revised to reflect policy experience (e.g. claim experience, medical inflation and benefit changes over time).

17. Daily Hospital Cash Benefit (max. 180 days)

Currency

HKD for Basic Plan HKD, USD or RMB16, 17 for Rider

18. Compassionate Death Benefit

Up to age 50

Plan 2

Plan 3

Reimburses the benefit subject to the per disability maximum limit.

HKD100,000 / USD12,500 / RMB87,500 per disability

HKD160,000 / USD20,000 / RMB140,000 per disability

HKD300,000 / USD37,500 / RMB262,500 per disability

If the insured’s age is between 76 to 100: Reimburses the benefit subject to the per life maximum limit. Any claims incurred before then will not be counted towards this limit.

HKD400,000 / USD50,000 / RMB350,000 per life

HKD640,000 / USD80,000 / RMB560,000 per life

HKD1,200,000 / USD150,000 / RMB1,050,000 per life

Daily and/or visit limits shown in the Schedule of Benefits and the following conditions also apply: • Daily Hospital Room and Board Benefit and Daily Doctor’s Visit Benefit are payable from the 181st day of confinement only. • The Extra Bed for Family Members of Children and Elderly Benefit is payable from the 31st day of relevant expenses only. • The Home Nursing Benefit is payable from the 11th day for Plan 1 or 16th day for Plan 2 or 3 of incurring such expenses and within two months immediately after confinement or surgery. For Insured who attains the age of 60 or above, this Benefit is payable from the 21st day for Plan 1 and 31st day for Plan 2 or 3 of incurring such expenses. The Home Nursing Service must be incurred consecutively within the stated period. • The Chiropractor/Acupuncturist/Physiotherapist Benefit is payable from the 11th visit for Plan 1 and 16th visit for Plan 2 or 3 of incurring such expenses and within three months after confinement or surgery and subject to a maximum of 30 visits. • The Cancer Treatment Benefit and Kidney Dialysis Treatment Benefit are not payable if they are provided on an out-patient basis. Pre-and Post-surgical Out-patient Care Benefit is not payable.

Maximum Benefit per Disability Benefit

How it works

Plan 1

Plan 2

Plan 3

Optional Female Benefit Mother’s Cover 20

Reimburses you for actual expenses for: • Emergency caesarian section • Ectopic pregnancy • Diagnosed postnatal depression which necessitates psychiatric treatment in a hospital within 180 days after childbirth • Miscarriage/Non-elective abortion (not self induced) • Hydatidiform mole • Childbirth complications diagnosed within 7 days after childbirth which necessitates hospitalization within 30 days after childbirth

According to the amounts shown in the Schedule of Benefits of Hospitalization and Surgical Benefit.

Newborn Baby’s Cover

Reimburses you for room and board charges in any ward or intensive care room for hospitalization of your baby within 30 days of birth due to any of the illnesses below. The illness must be diagnosed within 7 days after birth. • Anencephaly • Ano-Rectal Atresia • Cardiac Deformities • Cleft Lip and Cleft Palate • Congenital Dislocation of the Hip • Down’s Syndrome • Exomphalos or Umbilical Hernia • Hydrocephalus • Meconium Aspiration Syndrome • Oesophageal Atresia and Oesophago-Tracheal Fistula • Patent Ductus Arteriosus • Spina Bifida with Meningocele or Meningomyelocele • Tetralogy of Fallot

The benefit will be paid according to the Schedule of Benefits for daily hospital room and board or intensive care room up to a maximum of 30 days per illness.

Regular Medical Check-up

This preventive medical care is provided with no additional cost and available on the first anniversary of this rider and once every 2 years thereafter. Currently, this check-up program includes a pelvic examination, pap smear and breast examination as well as blood pressure and pulse checking.

Not Applicable

HKD400 / USD50 / HKD600 / USD75 / HKD800 / USD100 RMB350 per visit RMB525 per visit /RMB700 per visit (max. 10 visits) (max. 15 visits) (max. 15 visits) Inpatient surgery: Inpatient surgery: Inpatient surgery: HKD1,000 / USD125 HKD1,600 /USD200 HKD2,800 / USD350 /RMB875 / RMB1,400 /RMB2,450 Out-patient surgery: Out-patient surgery: Out-patient surgery: HKD3,000 / USD375 HKD4,800 /USD600 HKD8,400 / /RMB2,625 /RMB4,200 USD1,050 / RMB7,350

15. Emergency Out-Patient Treatment Benefit (for accidental injury only)

Plan 1

Reimburses 80% of the difference between treatment expenses incurred and maximum amount of benefit payable subject to a further adjustment if the insured of Plan 1 is confined to a higher level than General Ward (50% if confinement is in semi-private room and 25% if confinement is in standard private room or above).

40% of Surgical Fees Benefit payable HKD2,400 /USD300 HKD5,000 / USD625 / RMB2,100 / RMB4,375

How it works

Optional Supplementary Benefit

Extra Benefit

PRODUCT INFORMATION SunHealth Medical Care

How it works

1. Daily Hospital Room and Board Benefit (max. 180 days)

Extra peace of mind To allow you focus on recovery without worrying about leaving your loved ones unattended while staying in hospital, we provide family care benefit to extend care to your parents, children, spouse or even your beloved pet11. If you need to be admitted to a hospital while you are in Mainland China, you do not need to pay any deposit upfront for admission if you present your valid Care Card at any one of the network hospitals12. And if you are in need of emergency assistance anywhere in the world, you can access to our 24-hour worldwide emergency assistance hotline13.

OPTIONAL BENEFITS

Comprehensive coverage

SCHEDULE OF BENEFITS

SunHealth Medical Care offers a range of hospitalization and surgical benefits with generous limits including cancer and kidney dialysis treatments, consultation before and after surgery as well as chiropractic, acupuncture and physiotherapy treatments. By adding optional coverage, you can enjoy a further increase in benefit limits in general or to meet the specific needs of mothers-to-be 3. As we get older, our need for healthcare grows but it also becomes harder to obtain insurance. With the SunHealth Medical Care plan, you can purchase additional insurance for the same insured person regardless of his or her health status 4. To ensure that you have continued protection, our plans offer a guaranteed renewal up to age 1005.

Each benefit is subject to the Maximum Amount of Benefit per Disability18 shown in the Schedule of Benefits. You

Discounts and loyalty bonuses To recognize you for maintaining good health, you can enjoy a No Claim Discount of 15% if you do not make any hospitalization claims over 3 consecutive policy years 6. Even better, your eligibility to the No Claim Discount will not be affected by claims for a day-surgery treatment or if your claim for hospitalization has been partially reimbursed by other insurance companies. In addition, as we hope that you maintain medical protection on a long term basis to guard against unexpected health issues, we will give you a loyalty bonus of 5% off the standard annual premium every 10 years as long as the plans7 are in force!

Day-surgery arrangement at your convenience Advancement in medical technology means certain surgeries can be safely performed in clinics/day-surgery centres without the need to stay in a hospital. With SunHealth Medical Care, you can enjoy the coverage of daysurgery whether you visit one of the network of specialists or your own doctors. As mentioned earlier, in addition to saving you time, you can enjoy a No Claim Discount of 15% for your future premiums8 by opting for day-surgery treatments9. Moreover, when you visit one of the network of specialists and undergo selected day-surgeries in their clinics, we will settle your medical bill directly, reducing delays in time and claim documents10.

may only make a new claim if you are admitted to a hospital after at least 90 days from the date of last discharge. Maximum Benefit per Disability Benefit Hospitalization and Surgical Benefit

BASIC FACTS Issue Age

15 days – age 75

Benefit Period 14, 15

Guaranteed renewable up to age 100

Plan 1

Plan 2

Plan 3

Reimburses the actual room and board charges for the period of confinement.

HKD760 / USD95 / RMB665 per day

HKD1,600 /USD200 /RMB1,400 per day

HKD4,000/USD500 / RMB3,500 per day

2. Daily Doctor’s Visit Benefit (max. 180 days)

Reimburses the actual amount charged by the attending doctor.

HKD760 / USD95 / RMB665 per day

HKD1,600 /USD200 /RMB1,400 per day

HKD4,000/ USD500 / RMB3,500 per day

3. Miscellaneous Expenses Benefit

Reimburses the actual charges for customary services prescribed in the hospital or clinic in respect of the disability.

4. Surgical Fees Benefit

Reimburses actual surgical fees for operations in the hospital or clinic not exceeding a specific percentage (varies by surgery) of the maximum surgical fees benefit.19 Reimburses the actual anaesthetist’s fees charged for the surgical operation. Reimburses the actual operating theatre fees charged for the surgical operation. Reimburses the actual amount charged by a specialist as recommended by the attending doctor during confinement.

HKD10,000/ USD1,250 / RMB8,750 HKD40,000 / USD5,000 / RMB35,000

HKD21,000 / USD2,625 / RMB18,375 HKD65,000/ USD8,125 / RMB56,875

HKD35,000/ USD4,375 / RMB30,625 HKD88,000 / USD11,000 / RMB77,000

5. Anaesthetist’s Fees Benefit 6. Operating Theatre Fees Benefit 7. Specialist Consultation Fees Benefit 8. Intensive Care Room and Board Benefit 9. Extra Bed for Family Members of Children and Elderly Benefit (max. 30 days) 10. Cancer Treatment Benefit (per life) 11. Kidney Dialysis Treatment Benefit (per life) 12. Home Nursing Benefit

13. Chiropractor / Acupuncturist / Physiotherapist Benefit 14. Pre- and Post-surgical Out-patient Care Benefit

Reimburses the actual room and board expenses in excess of the maximum amount payable under Daily Hospital Room and Board Benefit, when the Insured is admitted to the Intensive Care Unit of a hospital. Reimburses actual charges for an extra bed for the insured’s family member who accompanies the insured aged below 19 or aged 60 or above during the confinement. Reimburses actual expenses incurred for customary chemotherapy, radiotherapy, biological therapy and target therapy for cancer treatment during confinement or in a clinic after confinement or after surgery upon recommendation by the attending doctor. Reimburses actual expenses incurred for kidney dialysis in treating chronic and irreversible kidney failure during confinement or in a clinic after confinement or after surgery upon recommendation by the attending doctor. • Reimburses actual expenses for services provided by a qualified nurse immediately after confinement or after surgery as recommended by the attending doctor. • For insured that attains the age of 60 or above, the maximum number of days will be doubled. Reimburses actual charges for treatment received recommended by the attending doctor within three months immediately after confinement or after surgery. Including pre-surgical visits within one month before surgery, and all related post-surgical follow-up visits within three months immediately after the performance of such surgery on an out-patient basis by the attending doctor.

Maximum Benefit Benefit

HKD20,000 / USD2,500 / RMB17,500

HKD25,000/ USD3,125 / RMB21,875

HKD10,000/ USD1,250 / RMB8,750 HKD30,000/ USD3,750 / RMB26,250

HKD200 / USD25 / RMB175 per day

HKD360 / USD45 / RMB315 per day

HKD520 / USD65 / RMB455 per day

HKD60,000/ USD7,500 / RMB52,500

HKD100,000 / USD12,500 / RMB87,500

HKD150,000 / USD18,750 / RMB131,250

HKD60,000/ USD7,500 / RMB52,500

HKD100,000 / USD12,500 / RMB87,500

HKD150,000 / USD18,750 / RMB131,250

HKD280 / USD35 / RMB245 per day (max. 10 consecutive days)

HKD680 / USD85 / RMB595 per day (max. 15 consecutive days)

HKD1,480 / USD185 /RMB1,295 per day (max. 15 consecutive days)

Hospitalization and Surgical Benefit

Optional Supplementary Benefit 15 days – age 70

Optional Female Benefit

Reimburses the actual charges for treatment received at a hospital’s out-patient department within 24 hours of an accident.

HKD4,000/ USD500 / RMB3,500

HKD8,000 / USD1,000 / RMB7,000

HKD14,000 / USD1,750 / RMB12,250

16. Death or Surgical Benefit Due to Medical Negligence in Hospital

Payable for death or surgical operation occurring within 30 days of the medical negligence incident by a doctor or qualified nurse in the relevant hospital.

Payable for confinement in the general ward of a hospital wholly funded by the Hong Kong Government and operated by the Hospital Authority where the insured is a holder of a Hong Kong Identity Card. Only available to basic plan

Death: HKD80,000 / USD10,000 / RMB70,000 Surgery: HKD10,000 / USD1,250 / RMB8,750 (max. HKD80,000 / USD10,000 / RMB70,000 per incident) HKD700 / USD87.5 /RMB612.5 per day

Death: HKD160,000 / USD20,000 / RMB140,000 Surgery: HKD20,000 / USD2,500 /RMB17,500 (max. HKD160,000 / USD20,000 / RMB140,000 per incident) HKD1,000/ USD125 / RMB875 per day

Death: HKD320,000 /USD40,000 /RMB280,000 Surgery: HKD40,000 /USD5,000 /RMB35,000 (max. HKD320,000 / USD40,000 / RMB280,000 per incident) HKD2,000 /USD250 /RMB1,750 per day

HKD10,000

HKD20,000

HKD30,000

Age 18 – age 45 Guaranteed renewable up to age 50

(Please note that benefits may be revised by Sun Life Hong Kong to reflect various factors including but not limited to medical developments and medical inflation.) Payment Period 15

Up to age 100

Premium Structure 14

Annually renewable. Premium amount is determined based on the attained age and varies with age and other factors. Premiums are not guaranteed and may be revised to reflect policy experience (e.g. claim experience, medical inflation and benefit changes over time).

17. Daily Hospital Cash Benefit (max. 180 days)

Currency

HKD for Basic Plan HKD, USD or RMB16, 17 for Rider

18. Compassionate Death Benefit

Up to age 50

Plan 2

Plan 3

Reimburses the benefit subject to the per disability maximum limit.

HKD100,000 / USD12,500 / RMB87,500 per disability

HKD160,000 / USD20,000 / RMB140,000 per disability

HKD300,000 / USD37,500 / RMB262,500 per disability

If the insured’s age is between 76 to 100: Reimburses the benefit subject to the per life maximum limit. Any claims incurred before then will not be counted towards this limit.

HKD400,000 / USD50,000 / RMB350,000 per life

HKD640,000 / USD80,000 / RMB560,000 per life

HKD1,200,000 / USD150,000 / RMB1,050,000 per life

Daily and/or visit limits shown in the Schedule of Benefits and the following conditions also apply: • Daily Hospital Room and Board Benefit and Daily Doctor’s Visit Benefit are payable from the 181st day of confinement only. • The Extra Bed for Family Members of Children and Elderly Benefit is payable from the 31st day of relevant expenses only. • The Home Nursing Benefit is payable from the 11th day for Plan 1 or 16th day for Plan 2 or 3 of incurring such expenses and within two months immediately after confinement or surgery. For Insured who attains the age of 60 or above, this Benefit is payable from the 21st day for Plan 1 and 31st day for Plan 2 or 3 of incurring such expenses. The Home Nursing Service must be incurred consecutively within the stated period. • The Chiropractor/Acupuncturist/Physiotherapist Benefit is payable from the 11th visit for Plan 1 and 16th visit for Plan 2 or 3 of incurring such expenses and within three months after confinement or surgery and subject to a maximum of 30 visits. • The Cancer Treatment Benefit and Kidney Dialysis Treatment Benefit are not payable if they are provided on an out-patient basis. Pre-and Post-surgical Out-patient Care Benefit is not payable.

Maximum Benefit per Disability Benefit

How it works

Plan 1

Plan 2

Plan 3

Optional Female Benefit Mother’s Cover 20

Reimburses you for actual expenses for: • Emergency caesarian section • Ectopic pregnancy • Diagnosed postnatal depression which necessitates psychiatric treatment in a hospital within 180 days after childbirth • Miscarriage/Non-elective abortion (not self induced) • Hydatidiform mole • Childbirth complications diagnosed within 7 days after childbirth which necessitates hospitalization within 30 days after childbirth

According to the amounts shown in the Schedule of Benefits of Hospitalization and Surgical Benefit.

Newborn Baby’s Cover

Reimburses you for room and board charges in any ward or intensive care room for hospitalization of your baby within 30 days of birth due to any of the illnesses below. The illness must be diagnosed within 7 days after birth. • Anencephaly • Ano-Rectal Atresia • Cardiac Deformities • Cleft Lip and Cleft Palate • Congenital Dislocation of the Hip • Down’s Syndrome • Exomphalos or Umbilical Hernia • Hydrocephalus • Meconium Aspiration Syndrome • Oesophageal Atresia and Oesophago-Tracheal Fistula • Patent Ductus Arteriosus • Spina Bifida with Meningocele or Meningomyelocele • Tetralogy of Fallot

The benefit will be paid according to the Schedule of Benefits for daily hospital room and board or intensive care room up to a maximum of 30 days per illness.

Regular Medical Check-up

This preventive medical care is provided with no additional cost and available on the first anniversary of this rider and once every 2 years thereafter. Currently, this check-up program includes a pelvic examination, pap smear and breast examination as well as blood pressure and pulse checking.

Not Applicable

HKD400 / USD50 / HKD600 / USD75 / HKD800 / USD100 RMB350 per visit RMB525 per visit /RMB700 per visit (max. 10 visits) (max. 15 visits) (max. 15 visits) Inpatient surgery: Inpatient surgery: Inpatient surgery: HKD1,000 / USD125 HKD1,600 /USD200 HKD2,800 / USD350 /RMB875 / RMB1,400 /RMB2,450 Out-patient surgery: Out-patient surgery: Out-patient surgery: HKD3,000 / USD375 HKD4,800 /USD600 HKD8,400 / /RMB2,625 /RMB4,200 USD1,050 / RMB7,350

15. Emergency Out-Patient Treatment Benefit (for accidental injury only)

Plan 1

Reimburses 80% of the difference between treatment expenses incurred and maximum amount of benefit payable subject to a further adjustment if the insured of Plan 1 is confined to a higher level than General Ward (50% if confinement is in semi-private room and 25% if confinement is in standard private room or above).

40% of Surgical Fees Benefit payable HKD2,400 /USD300 HKD5,000 / USD625 / RMB2,100 / RMB4,375

How it works

Optional Supplementary Benefit

Extra Benefit

PRODUCT INFORMATION SunHealth Medical Care

How it works

1. Daily Hospital Room and Board Benefit (max. 180 days)

Extra peace of mind To allow you focus on recovery without worrying about leaving your loved ones unattended while staying in hospital, we provide family care benefit to extend care to your parents, children, spouse or even your beloved pet11. If you need to be admitted to a hospital while you are in Mainland China, you do not need to pay any deposit upfront for admission if you present your valid Care Card at any one of the network hospitals12. And if you are in need of emergency assistance anywhere in the world, you can access to our 24-hour worldwide emergency assistance hotline13.

OPTIONAL BENEFITS

Comprehensive coverage

SCHEDULE OF BENEFITS

SunHealth Medical Care offers a range of hospitalization and surgical benefits with generous limits including cancer and kidney dialysis treatments, consultation before and after surgery as well as chiropractic, acupuncture and physiotherapy treatments. By adding optional coverage, you can enjoy a further increase in benefit limits in general or to meet the specific needs of mothers-to-be 3. As we get older, our need for healthcare grows but it also becomes harder to obtain insurance. With the SunHealth Medical Care plan, you can purchase additional insurance for the same insured person regardless of his or her health status 4. To ensure that you have continued protection, our plans offer a guaranteed renewal up to age 1005.

Each benefit is subject to the Maximum Amount of Benefit per Disability18 shown in the Schedule of Benefits. You

Discounts and loyalty bonuses To recognize you for maintaining good health, you can enjoy a No Claim Discount of 15% if you do not make any hospitalization claims over 3 consecutive policy years 6. Even better, your eligibility to the No Claim Discount will not be affected by claims for a day-surgery treatment or if your claim for hospitalization has been partially reimbursed by other insurance companies. In addition, as we hope that you maintain medical protection on a long term basis to guard against unexpected health issues, we will give you a loyalty bonus of 5% off the standard annual premium every 10 years as long as the plans7 are in force!

Day-surgery arrangement at your convenience Advancement in medical technology means certain surgeries can be safely performed in clinics/day-surgery centres without the need to stay in a hospital. With SunHealth Medical Care, you can enjoy the coverage of daysurgery whether you visit one of the network of specialists or your own doctors. As mentioned earlier, in addition to saving you time, you can enjoy a No Claim Discount of 15% for your future premiums8 by opting for day-surgery treatments9. Moreover, when you visit one of the network of specialists and undergo selected day-surgeries in their clinics, we will settle your medical bill directly, reducing delays in time and claim documents10.

may only make a new claim if you are admitted to a hospital after at least 90 days from the date of last discharge. Maximum Benefit per Disability Benefit Hospitalization and Surgical Benefit

BASIC FACTS Issue Age

15 days – age 75

Benefit Period 14, 15

Guaranteed renewable up to age 100

Plan 1

Plan 2

Plan 3

Reimburses the actual room and board charges for the period of confinement.

HKD760 / USD95 / RMB665 per day

HKD1,600 /USD200 /RMB1,400 per day

HKD4,000/USD500 / RMB3,500 per day

2. Daily Doctor’s Visit Benefit (max. 180 days)

Reimburses the actual amount charged by the attending doctor.

HKD760 / USD95 / RMB665 per day

HKD1,600 /USD200 /RMB1,400 per day

HKD4,000/ USD500 / RMB3,500 per day

3. Miscellaneous Expenses Benefit

Reimburses the actual charges for customary services prescribed in the hospital or clinic in respect of the disability.

4. Surgical Fees Benefit

Reimburses actual surgical fees for operations in the hospital or clinic not exceeding a specific percentage (varies by surgery) of the maximum surgical fees benefit.19 Reimburses the actual anaesthetist’s fees charged for the surgical operation. Reimburses the actual operating theatre fees charged for the surgical operation. Reimburses the actual amount charged by a specialist as recommended by the attending doctor during confinement.

HKD10,000/ USD1,250 / RMB8,750 HKD40,000 / USD5,000 / RMB35,000

HKD21,000 / USD2,625 / RMB18,375 HKD65,000/ USD8,125 / RMB56,875

HKD35,000/ USD4,375 / RMB30,625 HKD88,000 / USD11,000 / RMB77,000

5. Anaesthetist’s Fees Benefit 6. Operating Theatre Fees Benefit 7. Specialist Consultation Fees Benefit 8. Intensive Care Room and Board Benefit 9. Extra Bed for Family Members of Children and Elderly Benefit (max. 30 days) 10. Cancer Treatment Benefit (per life) 11. Kidney Dialysis Treatment Benefit (per life) 12. Home Nursing Benefit

13. Chiropractor / Acupuncturist / Physiotherapist Benefit 14. Pre- and Post-surgical Out-patient Care Benefit

Reimburses the actual room and board expenses in excess of the maximum amount payable under Daily Hospital Room and Board Benefit, when the Insured is admitted to the Intensive Care Unit of a hospital. Reimburses actual charges for an extra bed for the insured’s family member who accompanies the insured aged below 19 or aged 60 or above during the confinement. Reimburses actual expenses incurred for customary chemotherapy, radiotherapy, biological therapy and target therapy for cancer treatment during confinement or in a clinic after confinement or after surgery upon recommendation by the attending doctor. Reimburses actual expenses incurred for kidney dialysis in treating chronic and irreversible kidney failure during confinement or in a clinic after confinement or after surgery upon recommendation by the attending doctor. • Reimburses actual expenses for services provided by a qualified nurse immediately after confinement or after surgery as recommended by the attending doctor. • For insured that attains the age of 60 or above, the maximum number of days will be doubled. Reimburses actual charges for treatment received recommended by the attending doctor within three months immediately after confinement or after surgery. Including pre-surgical visits within one month before surgery, and all related post-surgical follow-up visits within three months immediately after the performance of such surgery on an out-patient basis by the attending doctor.

Maximum Benefit Benefit

HKD20,000 / USD2,500 / RMB17,500

HKD25,000/ USD3,125 / RMB21,875

HKD10,000/ USD1,250 / RMB8,750 HKD30,000/ USD3,750 / RMB26,250

HKD200 / USD25 / RMB175 per day

HKD360 / USD45 / RMB315 per day

HKD520 / USD65 / RMB455 per day

HKD60,000/ USD7,500 / RMB52,500

HKD100,000 / USD12,500 / RMB87,500

HKD150,000 / USD18,750 / RMB131,250

HKD60,000/ USD7,500 / RMB52,500

HKD100,000 / USD12,500 / RMB87,500

HKD150,000 / USD18,750 / RMB131,250

HKD280 / USD35 / RMB245 per day (max. 10 consecutive days)

HKD680 / USD85 / RMB595 per day (max. 15 consecutive days)

HKD1,480 / USD185 /RMB1,295 per day (max. 15 consecutive days)

Hospitalization and Surgical Benefit

Optional Supplementary Benefit 15 days – age 70

Optional Female Benefit

Reimburses the actual charges for treatment received at a hospital’s out-patient department within 24 hours of an accident.

HKD4,000/ USD500 / RMB3,500

HKD8,000 / USD1,000 / RMB7,000

HKD14,000 / USD1,750 / RMB12,250

16. Death or Surgical Benefit Due to Medical Negligence in Hospital

Payable for death or surgical operation occurring within 30 days of the medical negligence incident by a doctor or qualified nurse in the relevant hospital.

Payable for confinement in the general ward of a hospital wholly funded by the Hong Kong Government and operated by the Hospital Authority where the insured is a holder of a Hong Kong Identity Card. Only available to basic plan

Death: HKD80,000 / USD10,000 / RMB70,000 Surgery: HKD10,000 / USD1,250 / RMB8,750 (max. HKD80,000 / USD10,000 / RMB70,000 per incident) HKD700 / USD87.5 /RMB612.5 per day

Death: HKD160,000 / USD20,000 / RMB140,000 Surgery: HKD20,000 / USD2,500 /RMB17,500 (max. HKD160,000 / USD20,000 / RMB140,000 per incident) HKD1,000/ USD125 / RMB875 per day

Death: HKD320,000 /USD40,000 /RMB280,000 Surgery: HKD40,000 /USD5,000 /RMB35,000 (max. HKD320,000 / USD40,000 / RMB280,000 per incident) HKD2,000 /USD250 /RMB1,750 per day

HKD10,000

HKD20,000

HKD30,000

Age 18 – age 45 Guaranteed renewable up to age 50

(Please note that benefits may be revised by Sun Life Hong Kong to reflect various factors including but not limited to medical developments and medical inflation.) Payment Period 15

Up to age 100

Premium Structure 14

Annually renewable. Premium amount is determined based on the attained age and varies with age and other factors. Premiums are not guaranteed and may be revised to reflect policy experience (e.g. claim experience, medical inflation and benefit changes over time).

17. Daily Hospital Cash Benefit (max. 180 days)

Currency

HKD for Basic Plan HKD, USD or RMB16, 17 for Rider

18. Compassionate Death Benefit

Up to age 50

Plan 2

Plan 3

Reimburses the benefit subject to the per disability maximum limit.

HKD100,000 / USD12,500 / RMB87,500 per disability

HKD160,000 / USD20,000 / RMB140,000 per disability

HKD300,000 / USD37,500 / RMB262,500 per disability

If the insured’s age is between 76 to 100: Reimburses the benefit subject to the per life maximum limit. Any claims incurred before then will not be counted towards this limit.

HKD400,000 / USD50,000 / RMB350,000 per life

HKD640,000 / USD80,000 / RMB560,000 per life

HKD1,200,000 / USD150,000 / RMB1,050,000 per life

Daily and/or visit limits shown in the Schedule of Benefits and the following conditions also apply: • Daily Hospital Room and Board Benefit and Daily Doctor’s Visit Benefit are payable from the 181st day of confinement only. • The Extra Bed for Family Members of Children and Elderly Benefit is payable from the 31st day of relevant expenses only. • The Home Nursing Benefit is payable from the 11th day for Plan 1 or 16th day for Plan 2 or 3 of incurring such expenses and within two months immediately after confinement or surgery. For Insured who attains the age of 60 or above, this Benefit is payable from the 21st day for Plan 1 and 31st day for Plan 2 or 3 of incurring such expenses. The Home Nursing Service must be incurred consecutively within the stated period. • The Chiropractor/Acupuncturist/Physiotherapist Benefit is payable from the 11th visit for Plan 1 and 16th visit for Plan 2 or 3 of incurring such expenses and within three months after confinement or surgery and subject to a maximum of 30 visits. • The Cancer Treatment Benefit and Kidney Dialysis Treatment Benefit are not payable if they are provided on an out-patient basis. Pre-and Post-surgical Out-patient Care Benefit is not payable.

Maximum Benefit per Disability Benefit

How it works

Plan 1

Plan 2

Plan 3

Optional Female Benefit Mother’s Cover 20

Reimburses you for actual expenses for: • Emergency caesarian section • Ectopic pregnancy • Diagnosed postnatal depression which necessitates psychiatric treatment in a hospital within 180 days after childbirth • Miscarriage/Non-elective abortion (not self induced) • Hydatidiform mole • Childbirth complications diagnosed within 7 days after childbirth which necessitates hospitalization within 30 days after childbirth

According to the amounts shown in the Schedule of Benefits of Hospitalization and Surgical Benefit.

Newborn Baby’s Cover

Reimburses you for room and board charges in any ward or intensive care room for hospitalization of your baby within 30 days of birth due to any of the illnesses below. The illness must be diagnosed within 7 days after birth. • Anencephaly • Ano-Rectal Atresia • Cardiac Deformities • Cleft Lip and Cleft Palate • Congenital Dislocation of the Hip • Down’s Syndrome • Exomphalos or Umbilical Hernia • Hydrocephalus • Meconium Aspiration Syndrome • Oesophageal Atresia and Oesophago-Tracheal Fistula • Patent Ductus Arteriosus • Spina Bifida with Meningocele or Meningomyelocele • Tetralogy of Fallot

The benefit will be paid according to the Schedule of Benefits for daily hospital room and board or intensive care room up to a maximum of 30 days per illness.

Regular Medical Check-up

This preventive medical care is provided with no additional cost and available on the first anniversary of this rider and once every 2 years thereafter. Currently, this check-up program includes a pelvic examination, pap smear and breast examination as well as blood pressure and pulse checking.

Not Applicable

HKD400 / USD50 / HKD600 / USD75 / HKD800 / USD100 RMB350 per visit RMB525 per visit /RMB700 per visit (max. 10 visits) (max. 15 visits) (max. 15 visits) Inpatient surgery: Inpatient surgery: Inpatient surgery: HKD1,000 / USD125 HKD1,600 /USD200 HKD2,800 / USD350 /RMB875 / RMB1,400 /RMB2,450 Out-patient surgery: Out-patient surgery: Out-patient surgery: HKD3,000 / USD375 HKD4,800 /USD600 HKD8,400 / /RMB2,625 /RMB4,200 USD1,050 / RMB7,350

15. Emergency Out-Patient Treatment Benefit (for accidental injury only)

Plan 1

Reimburses 80% of the difference between treatment expenses incurred and maximum amount of benefit payable subject to a further adjustment if the insured of Plan 1 is confined to a higher level than General Ward (50% if confinement is in semi-private room and 25% if confinement is in standard private room or above).

40% of Surgical Fees Benefit payable HKD2,400 /USD300 HKD5,000 / USD625 / RMB2,100 / RMB4,375

How it works

Optional Supplementary Benefit

Extra Benefit

PRODUCT INFORMATION SunHealth Medical Care

How it works

1. Daily Hospital Room and Board Benefit (max. 180 days)

Extra peace of mind To allow you focus on recovery without worrying about leaving your loved ones unattended while staying in hospital, we provide family care benefit to extend care to your parents, children, spouse or even your beloved pet11. If you need to be admitted to a hospital while you are in Mainland China, you do not need to pay any deposit upfront for admission if you present your valid Care Card at any one of the network hospitals12. And if you are in need of emergency assistance anywhere in the world, you can access to our 24-hour worldwide emergency assistance hotline13.

OPTIONAL BENEFITS

Medical expenses are increasing by 9% or more each year.1 Cancer makes up 78% of critical illness claims for Sun Life Hong Kong 2, and usually requires intensive medical treatments.

How Can SunHealth Medical Care Help? Our SunHealth Medical Care is a comprehensive medical plan from which you can choose benefits to best suit your protection needs. 1. Comprehensive coverage – enables you to obtain the right medical treatments and relieve your financial burden from unexpected health issues. 2. Discount and loyalty bonuses – recognizes you for maintaining good health and continuing your medical protection over a long term basis. 3. Day-surgery arrangement at your convenience – treatment in clinics through a network of specialists to offer you convenience and a saving in time. 4. Extra peace of mind – provides you access to services to extend care to your family, if you need hospitalization in Mainland China and emergency assistance worldwide.

Source: Towerswatson.com – Global average medical trend rates by country: 2011 – 2014, 2014 Global Medical Trends Survey Report. Source: Sun Life Hong Kong Limited - Claim statistics of critical illness in 2014. You can choose to purchase our Optional Supplementary Benefit and Optional Female Benefit. Only available to insureds who are HKID cardholders with no extra exclusions and extra premiums. You can only exercise this option once per life and only when the insured reaches the age of 30, 40, 50 or 60 (subject to our maximum medical coverage per life and other terms and conditions of the Policy Document). This option is only available to Plan 1 and Plan 2 and is limited to hospitalization and surgical benefit plans as applicable to this benefit. 5. Subject to terms and conditions of the Policy Document. Please note that for Optional Female Benefit, guaranteed renewal is up to age 50 only. 6. Please refer to the terms and conditions of the Policy Document for eligibility. 7. The bonus is payable every 10 years based on premium determined on annual payment mode before the No Claim Discount. Not applicable to premiums for supplementary benefits and extra premiums. 8. Provided you do not make any inpatient hospitalization and surgical claims for three or more consecutive policy years. However, secondary inpatient claim will not affect your entitlement to No Claim Discount. 9. Provided you do not otherwise claim any confinement benefits and as per our terms and conditions of the Policy Document. 10. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Medical Orientation Benefit. The insured must have been continuously covered under SunHealth Medical Care for a minimum period of 180 days in order to enjoy this benefit. This is an administrative arrangement only applicable in Hong Kong for payment of covered expenses for charges related to surgery including surgery fees, instrument and miscellaneous items cost, but not a benefit under policy provisions or guaranteed arrangement. Sun Life reserves the right to terminate or vary the service at its sole discretion without prior notice. Sun Life will pay the medical charges to the relevant clinic/day-surgery centre on behalf of the insured after successful day surgery arrangement, but if the actual medical expense incurred (which may vary with the insured’s condition, case complexity and individual doctors charge incurred, etc.) exceed the covered expenses pre-approved by Sun Life, the excess will not be covered. In such a case, the insured is required to pay the shortfall when discharged from the clinic/day-surgery centre. The benefits, services and renewal of this service are provided by I.P.A., a third party and are not guaranteed. 11. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Family Care Benefit which is applicable in Hong Kong only. The benefits, services and renewal of the same are not guaranteed. 12. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the MedPass Service. The benefits, services and renewal of the same are not guaranteed. 13. This is provided by a third party company, Inter Partner Assistance Hong Kong Limited (I.P.A.) under the Worldwide Emergency Assistance Benefit. The benefits, services and renewal of the same are not guaranteed. 14. Please refer to the terms and conditions of the Policy Document regarding Premium, Revision of Benefit and Renewal for details. 15. If SunHealth Medical Care is attached to a basic plan, the benefit period and payment period of SunHealth Medical Care Rider/ Optional Supplementary Benefit / Optional Female Benefit will be up to the benefit period of the basic plan. Please refer to our terms and conditions of the Policy Document for details. 16. If the policy currency is RMB, you may choose to pay your premiums in RMB and to receive benefits in Hong Kong Dollars at an exchange rate determined by Sun Life Hong Kong from time to time. Due to exchange rate fluctuations, there is a risk that RMB will depreciate or appreciate against Hong Kong Dollars. You may be affected by such fluctuations if you choose to receive your benefits in Hong Kong Dollars. 17. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. You may have to allow time for conversion of RMB from/to another currency if your amount exceeds the applicable daily limit. 18. Disability refers to an accidental injury or sickness. Please refer to the terms and conditions of the Policy Document for details. 19. Please refer to the terms and conditions of the Policy Document relating to the claims restriction on the surgical operations classified as clinical surgery. 20. Only applicable to pregnancies commencing 10 months after the time the policy/rider is effective, issued or reinstated, whichever is the latest.

Protecting your health every step of the way

Exclusions:

We will not pay any claim directly or indirectly caused by any of the following: 1. Any sickness of which signs or symptoms first occur within 30 days after the policy/rider is effective, issued or reinstated, whichever is the latest. Any cancer and chronic and irreversible kidney failure which signs or symptoms first occur within 90 days after the policy/rider is effective issued or reinstated, whichever is the latest; 2. Any pre-existing condition which occurs before the policy/rider is effective issued or reinstated, whichever is the latest; 3. Any pregnancy which commences within 10 months after the policy/rider is effective, issued or reinstated, whichever is the latest (Applicable to Optional Female Benefit only) ; 4. The Insured’s committing or attempting to commit suicide or self-inflicted injury, while the Insured is sane or insane; 5. The Insured’s committing or attempting to commit a criminal offence or participating in any brawl; 6. Unreasonable failure to seek or follow medical advice; 7. The Insured’s participating in any kind of racing on horse or wheel, any form of combat or scuba diving; 8. The Insured’s flying or undertaking any other aerial activity except as a fare-paying passenger on a licensed public or chartered air service; 9. Childbirth, pregnancy, miscarriage or abortion, whether or not this event may have been accelerated or induced by an Accident, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 10. The Insured’s taking or absorbing or being under the influence of, accidentally or otherwise, any alcohol, drug, narcotic, medicine, sedative or poison, except as prescribed by a Doctor; 11. Routine physical examinations, health check-ups or tests, rest cure, sanatorium care, vaccinations, immunizations, injections or preventive medication, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 12. Any Treatment, investigations or Confinement which is not Medically Necessary or where the Insured has applied for home leave or otherwise left the Hospital (whether for any time or for all the remaining Confinement period) during a Confinement period, we will not cover the days in which he or she took the relevant leave; 13. Any Treatment or investigation related to dental, gum or jaw bone conditions, Treatment of refractive errors, cosmetic surgery or plastic surgery, except and to the extent that any such Treatment is necessary for cure or alleviation of Accidental Injury to the Insured and not being replacement of natural teeth or installation, removal or replacement of denture; 14. Treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female reproductive organs, unless the Insured has been continuously covered under the Basic Plan/Rider for a period of 120 days immediately preceding the manifestation of signs and symptoms of such disease; 15. Special nursing care, prepaid expenses for use after discharged from Hospital or after the day the surgical operation is performed in clinic, or charges and expenses for wheelchair, iron-lung, artificial limbs, braces, crutches or other prosthetic devices or Hospital equipment, except for the rental of such devices or equipment during the Confinement period; 16. Venereal diseases, sexually transmitted diseases, infertility, sterilisation, psychiatric treatment, mental or nervous diseases or disorders, or congenital deformities or anomalies, unless otherwise provided under the Optional Female Benefit of these Basic/Rider Benefit provisions, if applicable; 17. Any human immunodeficiency virus (HIV) and/or any HIV-related illnesses including acquired immune deficiency syndrome (AIDS) and/or any mutations, derivations or variations thereof; 18. War (whether declared or undeclared), insurrection, civil war or any warlike operation, whether or not the Insured was actively participating in them; 19. Atomic explosion, nuclear fission or radioactive gas; or 20. Charges for non-medical services such as internet access, telephone, television, radio, photocopy, medical report charges, taxes and the like.

SunHealth Medical Care

This leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Sun Life Hong Kong Limited outside Hong Kong. Please refer to the Policy Document for details including full terms and conditions and exclusions. If there is any conflict between the Policy Document and this leaflet, the Policy Document shall prevail.

Sun Life Hong Kong Limited (Incorporated in Bermuda) Sun Life Financial Cafe 8/F, Sun Life Tower, The Gateway, 15 Canton Road, Kowloon, Hong Kong www.sunlife.com.hk A member of the Sun Life Financial group of companies. Head Office in Toronto, Canada Issued by Sun Life Hong Kong Limited

Printed in August 2015

Staying healthy is vital for a brighter life. With good health, you can focus on pursuing your lifestyle goals. However, as the medical expenses continue to rise, if you become sick or injured in an accident, do you have sufficient savings to enable you to receive the right medical treatment as well as maintaining your quality of living?

1. 2. 3. 4.

9010212-E

Why do you need medical protection?

Notes:

Optional Female Benefit 自選女性保障

SUPPLEMENTARY INFORMATION TO ILLUSTRATE PREMIUM ADJUSTMENT OF SUNHEALTH MEDICAL CARE

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Age

Plan 1

年齡

計劃一

18 19 20 21 22 23 24 25 26 27 28 29

432 432 432 435 437 439 440 440 445 450 454 459

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

512 512 512 516 521 526 530 534 541 547 554 561

634 634 643 653 664 674 684 690 699 708 718 727

30 31 32 33 34 35 36 37 38 39 40 41

461 467 473 478 484 489 496 503 509 516 523 534

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

565 576 588 599 611 618 629 641 652 664 673 689

733 748 762 777 792 803 822 842 861 881 896 920

42 43 44 45 46 47 48 49

544 554 565 573 584 597 607 618

Female 女 Plan 2 Plan 3 計劃二

計劃三

705 721 737 753 771 790 811 833

944 968 992 1,012 1,047 1,080 1,122 1,163

The above table is for illustration purposes and applicable to Optional Female Benefit attaching to SunHealth Medical Care – Basic Plan only.

SunHealth Medical Care 永明貼心醫療保

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Notes: This supplementary information explains the non-guaranteed premiums of SunHealth Medical Care. 註: 此附加資料旨在解釋有關「永明貼心醫療保」之非保證保費。

With medical technology advances, the demands on medical services increase. This leads to increase in the costs of treatments. This may mean that as the costs increase, premiums also need to be adjusted. Below are illustrative examples of premium adjustment to SunHealth Medical Care1 for your reference. 隨着醫療技術進步，醫療服務需求因而增加，治療成本亦隨之上升。保費亦有可能因成本上升而作出調整。以下 為「永明貼心醫療保」之保費調整1說明例子以供參考。

Insured:

受保人：

35-year-old non-smoking male

35歲，男性，非吸煙

Plan Name: SunHealth Medical Care – Plan 1 Age

Plan 1

年齡

計劃一

18 19 20 21 22 23 24 25 26 27 28 29

353 353 353 354 355 357 358 359 363 368 373 377

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

419 419 419 422 426 429 432 436 442 447 453 459

518 518 527 535 543 551 559 562 570 578 587 595

30 31 32 33 34 35 36 37 38 39 40 41

380 384 389 393 398 399 405 411 416 422 428 436

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

461 470 480 489 498 505 514 523 532 542 549 562

598 610 621 633 644 656 670 685 700 715 730 750

42 43 44 45 46 47 48 49

444 452 460 467 476 488 495 505

Female 女 Plan 2 Plan 3 計劃二

計劃三

576 590 604 614 629 645 661 681

769 789 808 826 853 881 915 948

The above table is for illustration purposes and applicable to Optional Female Benefit attaching to SunHealth Medical Care – Rider only. 以上只作說明之用並只適用於在附加於永明貼心醫療保- 附加計劃之自選女性保障。

USD 1 = HKD8 RMB1 = Approximately HKD1.14

美元1 = 港元8 人民幣1 = 約為港元1.14

Remarks: 1. The amounts shown in blue rows are only applicable to policy renewals. 2. Premiums are not guaranteed and may be revised to reflect the prevailing policy experience (e.g. claim experience, medical inflation and benefit changes over time). For details, please refer to your policy documents. 3. SunHealth Medical Care-Premium Table is for reference only and is subject to change by Sun Life Hong Kong Limited from time to time. 4. You may choose to pay your premiums in RMB and to receive benefits in Hong Kong Dollars at an exchange rate determined by the Company from time to time. Due to exchange rate fluctuations, there is a risk that RMB will depreciate or appreciate against Hong Kong Dollars. You may be affected by such fluctuations if you choose to receive your benefits in a currency different from your payment currency. 5. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. You may have to allow time for conversion of RMB from/to another currency if your amount exceeds the applicable daily limit. 備註: 1. 在藍色方格內之保費金額只適用於續保。 2. 保費並非保證不變，及有可能因反映當時的保單經驗（例如賠償經驗、醫療費用上漲及保障改變而作出調整）。詳情請參閱保單文件。 3.「永明貼心醫療保」﹣保費表只供參考，並由香港永明金融有限公司不時作出變動。 4. 如保單貨幣為人民幣，您可以選擇人民幣支付保費並以港元收取利益，而其匯率將不時由永明金融全權決定。由於匯率波動，人民幣兌港元有可能 貶值或漲值。若您選擇以不同於支付貨幣的貨幣收取賠償價值，您可能會受到匯率波動影響。 5. 人民幣現時並非自由兌換貨幣，於香港之銀行兌換人民幣受若干條件限制。如兌換金額超過每日兌換限額，您可能需要一段時間方可將人民幣兌換 自/至另一種貨幣。

計劃名稱： 永明貼心醫療保 - 計劃一

Basic Plan 基本計劃 Illustrative annual premiums following adjustments1

Age of insured

Current annual premiums (HKD)

受保人年齡

以現時準則計算之 每年保費(港元)

Increase 5% each year

Increase 10% each year

35

2,322

2,322

2,322

36

2,415

2,536

2,657

37

2,510

2,767

3,037

38

2,604

3,014

3,466

39

2,699

3,281

3,952

40

2,838

3,622

4,571

調整後之預計每年保費說明 1

每年向上調整5%

年齡

計劃一

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

2,392 2,274 2,264 2,255 2,246 1,851 1,841 1,830 1,819 1,808 1,797 1,786 1,776 1,765 1,754 1,759 1,759 1,759 1,769 1,779 1,789 1,864 1,972 1,995 2,018 2,036 2,046 2,056 2,066 2,076 2,086 2,108 2,163 2,217 2,271 2,322 2,415 2,510 2,604 2,699 2,838 3,019 3,232 3,395 3,559 3,718 3,893 4,070 4,246 4,423

4,654 4,425 4407 4,389 4,371 3,601 3,580 3,558 3,537 3,516 3,495 3,474 3,453 3,432 3,411 3,420 3,420 3,420 3,430 3,440 3,450 3,547 3,673 3,735 3,798 3,859 3,906 3,952 3,982 4,012 4,042 4,149 4,255 4,362 4,468 4,571 4,731 4,892 5,055 5,216 5,467 5,876 6,344 6,715 7,086 7,458 7,740 8,020 8,302 8,584

8,236 7,829 7,797 7,765 7,733 6,619 6,580 6,541 6,502 6,464 6,425 6,386 6,347 6,308 6,270 6,287 6,287 6,287 6,297 6,307 6,317 6,505 6,663 6,823 6,924 7,023 7,098 7,172 7,216 7,261 7,300 7,466 7,632 7,799 7,965 8,131 8,472 8,812 9,155 9,498 10,015 10,638 11,367 11,920 12,472 13,027 13,568 14,109 14,650 15,192

2,353 2,157 2,147 2,138 2,129 1,874 1,862 1,850 1,839 1,827 1,815 1,804 1,792 1,780 1,769 1,774 1,781 1,787 1,797 1,807 1,850 2,010 2,077 2,145 2,214 2,279 2,350 2,423 2,495 2,566 2,633 2,737 2,841 2,945 3,047 3,146 3,241 3,336 3,432 3,527 3,659 3,864 4,075 4,252 4,428 4,603 4,749 4,896 5,042 5,190

Age

Illustrative example 說明例子 : Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃

「永明貼心醫療保」- 保費表

「永明貼心醫療保」保費調整之附加資料

以上只作說明之用並只適用於在附加於永明貼心醫療保 - 基本計劃之自選女性保障。

Optional Female Benefit 自選女性保障

SUNHEALTH MEDICAL CARE ﹣ PREMIUM TABLE

每年向上調整10%

Note: Figures in the above example are hypothetical and for illustrative purpose only. 註：上述例子之數字純屬假設及僅供說明之用。

1 Premiums (including Optional Supplementary Benefit and Optional Female Benefit, where applicable) are not guaranteed and may be revised from time to time. The illustrative annual premium increases of 5% and 10% are for your reference only and not necessarily prediction of future annual premium increases. 1 保費 (包括自選額外保障及自選女性保障，如適用)，非保證不變，及有可能不時調整。保費調整說明向上調整5%及10%僅供參考，並不等於每年 保費向上調整之預期。

Plan 3

Plan 1

The above table is for illustration purpose only. 以上只作說明之用。

Female 女 Plan 2 Plan 3 計劃二

計劃三

年齡

計劃一

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

4,579 4,197 4,179 4,161 4,143 3,461 3,440 3,418 3,397 3,375 3,354 3,332 3,311 3,289 3,267 3,277 3,289 3,302 3,315 3,327 3,340 3,533 3,664 3,796 3,929 4,057 4,161 4,266 4,370 4,474 4,576 4,779 4,982 5,185 5,387 5,586 5,799 6,012 6,226 6,441 6,717 7,107 7,504 7,836 8,170 8,502 8,823 9,145 9,466 9,788

8,102 7,426 7,394 7,362 7,330 6,295 6,256 6,217 6,178 6,139 6,100 6,060 6,021 5,982 5,943 5,960 5,983 6,006 6,028 6,051 6,218 6,446 6,587 6,727 6,899 7,068 7,215 7,362 7,508 7,653 7,798 8,060 8,321 8,582 8,841 9,098 9,467 9,838 10,209 10,582 11,057 11,643 12,240 12,730 13,221 13,712 14,246 14,781 15,315 15,850

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

4,595 4,894 5,196 5,497 5,797 6,095 6,422 6,749 7,077 7,345 7,543 7,791 8,172 8,555 8,938 9,316 9,739 10,161 10,584 11,008 11,430 11,860 12,288 12,718 13,147 13,576 13,815 14,055 14,295 14,535 14,773 15,096 15,421 15,746 16,070 16,390 16,713 17,038 17,363 17,687 18,009 18,283 18,558 18,833 19,107 19,378 19,690 20,001 20,311 20,620

8,862 9,232 9,603 9,972 10,342 10,707 11,327 11,950 12,574 13,091 13,481 14,211 15,173 16,139 17,108 18,080 19,180 20,282 21,383 22,484 23,582 24,357 25,133 25,907 26,682 27,454 28,006 28,559 29,112 29,666 30,215 30,907 31,600 32,294 32,987 33,679 34,303 34,929 35,555 36,181 36,802 37,457 38,114 38,770 39,428 40,081 40,682 41,284 41,885 42,485

15,731 16,353 16,975 17,597 18,221 18,837 19,875 20,918 21,964 22,821 23,464 24,669 26,281 27,899 29,521 31,146 32,990 34,836 36,682 38,527 40,367 41,883 43,399 44,915 46,430 47,943 49,058 50,173 51,287 52,401 53,513 54,387 55,261 56,134 57,009 57,881 58,812 59,743 60,675 61,606 62,532 63,134 63,736 64,337 64,939 65,536 65,894 66,252 66,609 66,965

5,332 5,618 5,904 6,189 6,475 6,757 6,948 7,137 7,326 7,584 7,842 8,317 8,881 9,221 9,558 9,893 10,198 10,504 10,810 11,117 11,419 11,820 12,221 12,621 13,022 13,421 13,628 13,835 14,043 14,250 14,454 14,738 15,024 15,308 15,593 15,874 16,186 16,500 16,814 17,127 17,441 17,742 18,044 18,347 18,649 18,948 19,368 19,790 20,210 20,632

Age

Plan 3

Plan 1

Female 女 Plan 2 Plan 3 計劃二

計劃三

10,107 10,658 11,209 11,761 12,312 12,859 13,425 13,989 14,550 15,249 15,953 16,788 17,794 18,350 18,902 19,448 20,109 20,773 21,437 22,100 22,759 23,637 24,514 25,391 26,269 27,141 27,627 28,111 28,596 29,080 29,562 30,172 30,784 31,394 32,005 32,617 33,221 33,826 34,431 35,035 35,640 36,350 37,059 37,769 38,479 39,189 40,018 40,848 41,678 42,507

16,384 17,171 17,958 18,744 19,531 20,315 21,143 21,970 22,792 23,829 24,876 26,716 28,850 30,263 31,670 33,071 34,523 35,975 37,427 38,879 40,330 41,744 43,158 44,572 45,987 47,400 48,392 49,384 50,376 51,368 52,359 53,099 53,839 54,577 55,317 56,057 56,958 57,859 58,759 59,661 60,561 61,264 61,966 62,671 63,373 64,076 64,809 65,540 66,272 67,001

SunHealth Medical Care 永明貼心醫療保

Optional Supplementary Benefit 自選額外保障

Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃

年齡

Plan 1

計劃一

Male 男 Plan 2 計劃二

計劃三

計劃一

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

2,269 2,022 2,014 2,006 1,998 1,578 1,569 1,559 1,550 1,541 1,532 1,522 1,513 1,504 1,495 1,499 1,499 1,499 1,509 1,519 1,537 1,620 1,704 1,715 1,725 1,735 1,745 1,755 1,765 1,775 1,785 1,798 1,843 1,888 1,934 1,978 2,057 2,138 2,219 2,300 2,417 2,574 2,754 2,893 3,032 3,168 3,318 3,468 3,618 3,769

4,139 3,772 3,756 3,741 3,726 2,937 2,920 2,903 2,885 2,868 2,851 2,834 2,817 2,799 2,782 2,790 2,790 2,790 2,800 2,810 2,839 2,932 3,027 3,066 3,106 3,144 3,183 3,221 3,246 3,271 3,296 3,383 3,470 3,557 3,644 3,725 3,939 4,153 4,369 4,585 4,879 5,186 5,544 5,815 6,088 6,355 6,595 6,836 7,075 7,315

7,321 6,670 6,643 6,616 6,588 5,149 5,119 5,089 5,058 5,028 4,998 4,968 4,938 4,908 4,877 4,891 4,891 4,891 4,901 4,911 5,356 5,541 5,678 5,816 5,901 5,985 6,048 6,113 6,150 6,188 6,222 6,363 6,505 6,647 6,788 6,927 7,218 7,510 7,803 8,097 8,533 9,065 9,686 10,156 10,628 11,100 11,445 11,790 12,135 12,480

2,245 2,001 1,993 1,985 1,976 1,595 1,585 1,576 1,566 1,557 1,547 1,538 1,528 1,519 1,509 1,513 1,519 1,524 1,534 1,544 1,705 1,820 1,851 1,882 1,913 1,941 2,004 2,065 2,127 2,188 2,244 2,332 2,420 2,508 2,596 2,681 2,783 2,885 2,988 3,091 3,221 3,418 3,617 3,785 3,955 4,119 4,265 4,410 4,557 4,703

Age

Plan 3

Plan 1

The above table is for illustration purpose only. 以上只作說明之用。

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

7,551 7,866 8,181 8,495 8,810 9,122 9,651 10,182 10,715 11,156 11,485 12,108 12,928 13,752 14,578 15,402 16,341 17,278 18,217 19,156 20,091 20,984 21,878 22773 23666 24560 25,066 25,573 26,078 26,584 27,090 27,683 28,277 28,870 29,464 30,056 30,539 31,023 31,506 31,990 32,471 32,687 32,905 33,121 33,338 33,551 33,714 33,876 34,039 34,202

12,819 13,325 13,832 14,338 14,844 15,351 16,374 17,400 18,430 19,302 19,988 21,014 22,386 23,762 25,145 26,530 28,103 29,675 31,247 32,819 34,388 35,920 37,451 38,984 40,516 42,043 42,911 43,777 44,644 45,510 46,372 47,389 48,405 49,421 50,437 51,449 52,276 53,105 53,932 54,760 55,584 56,223 56,862 57,503 58,142 58,778 59,393 60,009 60,623 61,239

4,848 5,031 5,213 5,395 5,578 5,755 5,946 6,137 6,327 6,578 6,829 7,208 7,661 7,920 8,178 8,433 8,772 9,112 9,452 9,792 10,127 10,492 10,857 11,221 11,586 11,948 12,189 12,430 12,669 12,910 13,147 13,430 13,714 13,998 14,281 14,560 14,846 15,131 15,415 15,700 15,982 16,224 16,466 16,708 16,949 17,187 17,330 17,474 17,617 17,760

計劃二

計劃三

年齡

計劃一

4,095 3,732 3,716 3,701 3,686 3,080 3,062 3,043 3,025 3,007 2,988 2,970 2,951 2,933 2,915 2,923 2,933 2,944 2,955 2,966 3,106 3,255 3,345 3,435 3,527 3,613 3,707 3,801 3,894 3,987 4,075 4,258 4,440 4,622 4,802 4,978 5,136 5,295 5,454 5,615 5,828 6,166 6,510 6,799 7,088 7,374 7,585 7,796 8,008 8,218

7,244 6,599 6,572 6,545 6,518 5,204 5,173 5,142 5,111 5,080 5,049 5,018 4,987 4,956 4,925 4,938 4,956 4,974 4,993 5,011 5,402 5,631 5,783 5,935 6,115 6,294 6,426 6,558 6,689 6,819 6,946 7,182 7,416 7,649 7,882 8,109 8,436 8,765 9,095 9,426 9,849 10,371 10,902 11,336 11,774 12,210 12,556 12,902 13,248 13,594

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

3,915 4,172 4,429 4,685 4,942 5,195 5,472 5,750 6,029 6,258 6,426 6,637 6,961 7,286 7,611 7,939 8,299 8,660 9,020 9,381 9,740 10,174 10,609 11,044 11,478 11,908 12,153 12,399 12,645 12,892 13,135 13,423 13,710 13,998 14,286 14,572 14,860 15,148 15,436 15,724 16,009 16,308 16,608 16,906 17,205 17,502 17,654 17,806 17,958 18,109

Plan 3

Plan 1

Optional Supplementary Benefit 自選額外保障

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

1,142 1,085 1,080 1,075 1,070 917 916 914 913 911 909 908 906 904 903 901 899 898 908 918 928 938 964 982 1,000 1,024 1,037 1,051 1,061 1,071 1,081 1,102 1,130 1,158 1,187 1,212 1,268 1,323 1,379 1,437 1,519 1,615 1,725 1,810 1,894 1,979 2,068 2,159 2,251 2,343

2,021 1,920 1,912 1,903 1,895 1,688 1,685 1,682 1,679 1,676 1,673 1,670 1,667 1,664 1,661 1,658 1,655 1,652 1,662 1,672 1,682 1,704 1,748 1,792 1,820 1,862 1,882 1,902 1,913 1,924 1,936 1,981 2,025 2,069 2,115 2,154 2,245 2,336 2,428 2,519 2,656 2,821 3,014 3,160 3,307 3,454 3,624 3,795 3,969 4,145

751 683 680 677 674 604 603 602 601 600 599 598 596 595 594 593 592 591 601 611 655 699 709 720 731 753 775 797 819 842 862 898 934 970 1,006 1,038 1,077 1,116 1,155 1,195 1,247 1,306 1,367 1,416 1,465 1,512 1,575 1,638 1,701 1,765

計劃二

計劃三

年齡

計劃一

8,429 8,814 9,200 9,587 9,972 10,355 10,734 11,113 11,490 11,975 12,463 13,344 14,372 15,040 15,705 16,363 17,269 18,174 19,080 19,986 20,892 21,642 22,393 23,144 23,896 24,643 25,139 25,634 26,130 26,625 27,117 27,700 28,284 28,868 29,453 30,034 30,512 30,989 31,465 31,943 32,418 32,523 32,629 32,735 32,840 32,945 33,094 33,245 33,395 33,543

13,937 14,613 15,287 15,962 16,637 17,308 18,162 19,012 19,859 20,895 21,943 23,370 25,051 26,101 27,147 28,185 29,700 31,215 32,729 34,244 35,758 37,044 38,330 39,616 40,901 42,187 43,033 43,880 44,727 45,574 46,420 47,418 48,417 49,416 50,414 51,411 52,227 53,044 53,862 54,679 55,491 55,934 56,378 56,820 57,263 57,703 58,167 58,630 59,094 59,558

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

751 683 680 677 674 579 578 577 576 575 574 573 572 571 570 569 568 567 577 587 597 607 634 644 654 664 674 684 694 704 714 731 750 768 788 802 838 874 911 947 998 1,058 1,130 1,183 1,237 1,289 1,352 1,415 1,480 1,544

Plan 3

Plan 1

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

2,436 2,556 2,678 2,801 2,925 3,046 3,215 3,382 3,551 3,687 3,783 3,977 4,234 4,491 4,748 5,004 5,309 5,614 5,918 6,224 6,529 6,774 7,020 7,266 7,511 7,753 8,335 8,916 9,498 10,079 10,661 11,242 11,824 12,405 12,599 12,793 12,987 13,180 13,374 13,568 13,762 13,956 14,150 14,343 14,537 14,731 14,925 15,119 15,313 15,506

4,324 4,526 4,731 4,940 5,149 5,358 5,638 5,919 6,199 6,425 6,584 6,905 7,336 7,768 8,198 8,622 9,133 9,643 10,154 10,664 11,174 11,593 12,013 12,432 12,852 13,270 14,265 152,60 16,255 17,250 18,246 19,241 20,236 21,231 21,563 21,895 22,227 22,558 22,890 23,222 23,554 23,885 24,217 24,549 24,881 25,212 25,544 25,876 26,207 26,539

1,827 1,910 1,994 2,078 2,163 2,245 2,321 2,397 2,473 2,572 2,670 2,842 3,043 3,168 3,293 3,412 3,541 3,670 3,798 3,926 4,050 4,203 4,356 4,510 4,664 4,812 5,172 5,533 5,894 6,255 6,616 6,977 7,338 7,698 7,819 7,939 8,059 8,180 8,300 8,420 8,540 8,661 8,781 8,901 9,022 9,142 9,262 9,382 9,503 9,623

計劃二

計劃三

年齡

計劃一

1,142 1,085 1,080 1,075 1,070 915 913 912 910 908 907 905 903 902 900 898 897 895 905 915 933 977 1,003 1,030 1,056 1,097 1,128 1,160 1,191 1,223 1,250 1,307 1,366 1,424 1,483 1,540 1,600 1,658 1,717 1,777 1,851 1,959 2,069 2,162 2,255 2,345 2,429 2,514 2,601 2,686

2,021 1,920 1,912 1,903 1,895 1,691 1,688 1,685 1,682 1,679 1,676 1,673 1,670 1,667 1,663 1,660 1,657 1,654 1,664 1,674 1,690 1,744 1,774 1,804 1,844 1,912 1,956 2,001 2,045 2,089 2,129 2,206 2,281 2,356 2,432 2,507 2,610 2,712 2,816 2,919 3,048 3,209 3,373 3,509 3,644 3,779 3,944 4,111 4,278 4,445

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

1,609 1,679 1,750 1,820 1,892 1,963 2,058 2,154 2,248 2,323 2,374 2,482 2,628 2,775 2,921 3,066 3,244 3,420 3,596 3,773 3,946 4,094 4,243 4,392 4,542 4,685 5,036 5,388 5,739 6,090 6,442 6,793 7,144 7,496 7,613 7,730 7,847 7,964 8,081 8,198 8,316 8,433 8,550 8,667 8,784 8,901 9,018 9,135 9,252 9,370

Plan 3

Plan 1

Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃 Female 女 Plan 2 Plan 3

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

1,060 1,007 1,002 998 993 852 851 849 848 846 845 843 842 840 839 837 836 834 844 854 864 874 895 911 927 948 960 971 981 991 1,001 1,020 1,047 1,073 1,100 1,122 1,174 1,227 1,279 1,331 1,407 1,495 1,598 1,677 1,757 1,834 1,917 2,001 2,085 2,171

1,873 1,780 1,772 1,764 1,756 1,562 1,559 1,556 1,554 1,551 1,548 1,545 1,543 1,540 1,537 1,534 1,531 1,529 1,539 1,549 1,559 1,578 1,618 1,658 1,683 1,725 1,744 1,763 1,775 1,786 1,796 1,835 1,876 1,916 1,957 1,996 2,080 2,165 2,249 2,335 2,459 2,614 2,793 2,929 3,065 3,200 3,358 3,519 3,682 3,845

686 644 641 638 635 550 549 548 547 546 545 544 543 542 541 540 539 538 548 558 596 635 645 655 665 684 704 724 744 764 783 815 847 880 913 944 980 1,017 1,054 1,091 1,134 1,192 1,249 1,296 1,344 1,390 1,453 1,516 1,579 1,642

計劃二

計劃三

年齡

計劃一

2,772 2,932 3,093 3,254 3,416 3,578 3,739 3,899 4,059 4,258 4,454 4,696 4,988 5,152 5,316 5,476 5,757 6,037 6,318 6,598 6,875 7,134 7,392 7,651 7,909 8,167 8,780 9,392 10,005 10,617 11,230 11,842 12,455 13,067 13,272 13,476 13,680 13,884 14,088 14,293 14,497 14,701 14,905 15,109 15,313 15,518 15,722 15,926 16,130 16,334

4,612 4,842 5,074 5,305 5,538 5,766 5,995 6,221 6,448 6,734 7,022 7,427 7,911 8,193 8,475 8,752 9,171 9,591 10,010 10,431 10,846 11,254 11,662 12,069 12,477 12,879 13,845 14,811 15,777 16,743 17,709 18,675 19,641 20,607 20,929 21,251 21,573 21,895 22,217 22,539 22,861 23,183 23,505 23,827 24,149 24,471 24,793 25,115 25,437 25,759

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

686 644 641 638 635 545 544 543 542 541 540 539 538 537 536 535 534 533 543 553 563 573 598 608 618 628 638 648 658 668 678 690 707 725 743 757 792 827 862 897 942 1,000 1,067 1,119 1,169 1,215 1,275 1,335 1,396 1,458

The above table is for illustration purposes and applicable to Optional Supplementary Benefit attaching to SunHealth Medical Care – Basic Plan only. 以上只作說明之用並只適用於在附加於永明貼心醫療保 - 基本計劃之自選額外保障。

Age

Plan 3

Plan 1

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

2,256 2,367 2,478 2,591 2,706 2,821 2,976 3,132 3,286 3,412 3,503 3,684 3,923 4,164 4,402 4,636 4,919 5,201 5,484 5,767 6,044 6,268 6,492 6,715 6,938 7,159 7,696 8,233 8,770 9,307 9,844 10,381 10,918 11,455 11,634 11,813 11,992 12,171 12,350 12,529 12,708 12,887 13,066 13,245 13,424 13,602 13,781 13,960 14,139 14,318

4,006 4,194 4,385 4,576 4,771 4,963 5,222 5,480 5,740 5,948 6,098 6,393 6,792 7,191 7,589 7,984 8,456 8,930 9,403 9,877 10,348 10,729 11,112 11,494 11,876 12,257 13,176 14,095 15,015 15,934 16,853 17,772 18,692 19,611 19,917 20,224 20,530 20,837 21,143 21,449 21,756 22,062 22,369 22,675 22,982 23,288 23,594 23,901 24,207 24,514

1,704 1,775 1,848 1,921 1,994 2,064 2,139 2,213 2,287 2,382 2,477 2,613 2,778 2,871 2,966 3,054 3,179 3,306 3,431 3,558 3,683 3,820 3,957 4,093 4,229 4,363 4,690 5,018 5,345 5,672 5,999 6,327 6,654 6,981 7,090 7,199 7,308 7,417 7,526 7,635 7,745 7,854 7,963 8,072 8,181 8,290 8,399 8,508 8,617 8,726

計劃二

計劃三

年齡

計劃一

1,060 1,007 1,002 998 993 847 845 844 842 840 839 837 836 834 833 831 830 828 838 848 864 905 929 953 977 1,017 1,046 1,075 1,103 1,133 1,158 1,212 1,266 1,322 1,376 1,426 1,482 1,537 1,592 1,648 1,716 1,815 1,916 2,002 2,087 2,170 2,248 2,327 2,406 2,486

1,873 1,780 1,772 1,764 1,756 1,552 1,549 1,547 1,544 1,541 1,538 1,535 1,532 1,530 1,527 1,524 1,521 1,518 1,528 1,538 1,583 1,631 1,656 1,681 1,713 1,772 1,813 1,854 1,894 1,935 1,972 2,043 2,114 2,185 2,256 2,324 2,419 2,513 2,607 2,702 2,823 2,971 3,124 3,249 3,374 3,498 3,641 3,785 3,929 4,074

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

1,518 1,592 1,668 1,744 1,821 1,895 1,982 2,068 2,154 2,222 2,267 2,362 2,495 2,628 2,761 2,891 3,058 3,226 3,392 3,559 3,720 3,858 3,996 4,134 4,272 4,408 4,738 5,069 5,399 5,730 6,060 6,391 6,722 7,052 7,162 7,273 7,383 7,493 7,603 7,713 7,823 7,934 8,044 8,154 8,264 8,374 8,485 8,595 8,705 8,815

Plan 3

Plan 1

Female 女 Plan 2 Plan 3 計劃二

計劃三

2,560 2,712 2,863 3,016 3,168 3,322 3,471 3,621 3,770 3,955 4,140 4,355 4,615 4,759 4,901 5,039 5,305 5,571 5,837 6,104 6,368 6,604 6,839 7,074 7,309 7,544 8,109 8,675 9,241 9,807 10,373 10,938 11,504 12,070 12,258 12,447 12,636 12,824 13,013 13,201 13,390 13,579 13,767 13,956 14,144 14,333 14,522 14,710 14,899 15,087

4,218 4,426 4,634 4,843 5,052 5,261 5,473 5,686 5,896 6,163 6,433 6,784 7,206 7,444 7,681 7,918 8,342 8,768 9,193 9,617 10,042 10,414 10,784 11,156 11,527 11,896 12,788 13,680 14,572 15,464 16,356 17,249 18,141 19,033 19,330 19,628 19,925 20,222 20,520 20,817 21,115 21,412 21,709 22,007 22,304 22,601 22,899 23,196 23,494 23,791

The above table is for illustration purposes and applicable to Optional Supplementary Benefit attaching to SunHealth Medical Care – Rider only. 以上只作說明之用並只適用於在附加於永明貼心醫療保 - 附加計劃之自選額外保障。

SunHealth Medical Care 永明貼心醫療保

Optional Supplementary Benefit 自選額外保障

Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃

年齡

Plan 1

計劃一

Male 男 Plan 2 計劃二

計劃三

計劃一

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

2,269 2,022 2,014 2,006 1,998 1,578 1,569 1,559 1,550 1,541 1,532 1,522 1,513 1,504 1,495 1,499 1,499 1,499 1,509 1,519 1,537 1,620 1,704 1,715 1,725 1,735 1,745 1,755 1,765 1,775 1,785 1,798 1,843 1,888 1,934 1,978 2,057 2,138 2,219 2,300 2,417 2,574 2,754 2,893 3,032 3,168 3,318 3,468 3,618 3,769

4,139 3,772 3,756 3,741 3,726 2,937 2,920 2,903 2,885 2,868 2,851 2,834 2,817 2,799 2,782 2,790 2,790 2,790 2,800 2,810 2,839 2,932 3,027 3,066 3,106 3,144 3,183 3,221 3,246 3,271 3,296 3,383 3,470 3,557 3,644 3,725 3,939 4,153 4,369 4,585 4,879 5,186 5,544 5,815 6,088 6,355 6,595 6,836 7,075 7,315

7,321 6,670 6,643 6,616 6,588 5,149 5,119 5,089 5,058 5,028 4,998 4,968 4,938 4,908 4,877 4,891 4,891 4,891 4,901 4,911 5,356 5,541 5,678 5,816 5,901 5,985 6,048 6,113 6,150 6,188 6,222 6,363 6,505 6,647 6,788 6,927 7,218 7,510 7,803 8,097 8,533 9,065 9,686 10,156 10,628 11,100 11,445 11,790 12,135 12,480

2,245 2,001 1,993 1,985 1,976 1,595 1,585 1,576 1,566 1,557 1,547 1,538 1,528 1,519 1,509 1,513 1,519 1,524 1,534 1,544 1,705 1,820 1,851 1,882 1,913 1,941 2,004 2,065 2,127 2,188 2,244 2,332 2,420 2,508 2,596 2,681 2,783 2,885 2,988 3,091 3,221 3,418 3,617 3,785 3,955 4,119 4,265 4,410 4,557 4,703

Age

Plan 3

Plan 1

The above table is for illustration purpose only. 以上只作說明之用。

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

7,551 7,866 8,181 8,495 8,810 9,122 9,651 10,182 10,715 11,156 11,485 12,108 12,928 13,752 14,578 15,402 16,341 17,278 18,217 19,156 20,091 20,984 21,878 22773 23666 24560 25,066 25,573 26,078 26,584 27,090 27,683 28,277 28,870 29,464 30,056 30,539 31,023 31,506 31,990 32,471 32,687 32,905 33,121 33,338 33,551 33,714 33,876 34,039 34,202

12,819 13,325 13,832 14,338 14,844 15,351 16,374 17,400 18,430 19,302 19,988 21,014 22,386 23,762 25,145 26,530 28,103 29,675 31,247 32,819 34,388 35,920 37,451 38,984 40,516 42,043 42,911 43,777 44,644 45,510 46,372 47,389 48,405 49,421 50,437 51,449 52,276 53,105 53,932 54,760 55,584 56,223 56,862 57,503 58,142 58,778 59,393 60,009 60,623 61,239

4,848 5,031 5,213 5,395 5,578 5,755 5,946 6,137 6,327 6,578 6,829 7,208 7,661 7,920 8,178 8,433 8,772 9,112 9,452 9,792 10,127 10,492 10,857 11,221 11,586 11,948 12,189 12,430 12,669 12,910 13,147 13,430 13,714 13,998 14,281 14,560 14,846 15,131 15,415 15,700 15,982 16,224 16,466 16,708 16,949 17,187 17,330 17,474 17,617 17,760

計劃二

計劃三

年齡

計劃一

4,095 3,732 3,716 3,701 3,686 3,080 3,062 3,043 3,025 3,007 2,988 2,970 2,951 2,933 2,915 2,923 2,933 2,944 2,955 2,966 3,106 3,255 3,345 3,435 3,527 3,613 3,707 3,801 3,894 3,987 4,075 4,258 4,440 4,622 4,802 4,978 5,136 5,295 5,454 5,615 5,828 6,166 6,510 6,799 7,088 7,374 7,585 7,796 8,008 8,218

7,244 6,599 6,572 6,545 6,518 5,204 5,173 5,142 5,111 5,080 5,049 5,018 4,987 4,956 4,925 4,938 4,956 4,974 4,993 5,011 5,402 5,631 5,783 5,935 6,115 6,294 6,426 6,558 6,689 6,819 6,946 7,182 7,416 7,649 7,882 8,109 8,436 8,765 9,095 9,426 9,849 10,371 10,902 11,336 11,774 12,210 12,556 12,902 13,248 13,594

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

3,915 4,172 4,429 4,685 4,942 5,195 5,472 5,750 6,029 6,258 6,426 6,637 6,961 7,286 7,611 7,939 8,299 8,660 9,020 9,381 9,740 10,174 10,609 11,044 11,478 11,908 12,153 12,399 12,645 12,892 13,135 13,423 13,710 13,998 14,286 14,572 14,860 15,148 15,436 15,724 16,009 16,308 16,608 16,906 17,205 17,502 17,654 17,806 17,958 18,109

Plan 3

Plan 1

Optional Supplementary Benefit 自選額外保障

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

1,142 1,085 1,080 1,075 1,070 917 916 914 913 911 909 908 906 904 903 901 899 898 908 918 928 938 964 982 1,000 1,024 1,037 1,051 1,061 1,071 1,081 1,102 1,130 1,158 1,187 1,212 1,268 1,323 1,379 1,437 1,519 1,615 1,725 1,810 1,894 1,979 2,068 2,159 2,251 2,343

2,021 1,920 1,912 1,903 1,895 1,688 1,685 1,682 1,679 1,676 1,673 1,670 1,667 1,664 1,661 1,658 1,655 1,652 1,662 1,672 1,682 1,704 1,748 1,792 1,820 1,862 1,882 1,902 1,913 1,924 1,936 1,981 2,025 2,069 2,115 2,154 2,245 2,336 2,428 2,519 2,656 2,821 3,014 3,160 3,307 3,454 3,624 3,795 3,969 4,145

751 683 680 677 674 604 603 602 601 600 599 598 596 595 594 593 592 591 601 611 655 699 709 720 731 753 775 797 819 842 862 898 934 970 1,006 1,038 1,077 1,116 1,155 1,195 1,247 1,306 1,367 1,416 1,465 1,512 1,575 1,638 1,701 1,765

計劃二

計劃三

年齡

計劃一

8,429 8,814 9,200 9,587 9,972 10,355 10,734 11,113 11,490 11,975 12,463 13,344 14,372 15,040 15,705 16,363 17,269 18,174 19,080 19,986 20,892 21,642 22,393 23,144 23,896 24,643 25,139 25,634 26,130 26,625 27,117 27,700 28,284 28,868 29,453 30,034 30,512 30,989 31,465 31,943 32,418 32,523 32,629 32,735 32,840 32,945 33,094 33,245 33,395 33,543

13,937 14,613 15,287 15,962 16,637 17,308 18,162 19,012 19,859 20,895 21,943 23,370 25,051 26,101 27,147 28,185 29,700 31,215 32,729 34,244 35,758 37,044 38,330 39,616 40,901 42,187 43,033 43,880 44,727 45,574 46,420 47,418 48,417 49,416 50,414 51,411 52,227 53,044 53,862 54,679 55,491 55,934 56,378 56,820 57,263 57,703 58,167 58,630 59,094 59,558

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

751 683 680 677 674 579 578 577 576 575 574 573 572 571 570 569 568 567 577 587 597 607 634 644 654 664 674 684 694 704 714 731 750 768 788 802 838 874 911 947 998 1,058 1,130 1,183 1,237 1,289 1,352 1,415 1,480 1,544

Plan 3

Plan 1

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

2,436 2,556 2,678 2,801 2,925 3,046 3,215 3,382 3,551 3,687 3,783 3,977 4,234 4,491 4,748 5,004 5,309 5,614 5,918 6,224 6,529 6,774 7,020 7,266 7,511 7,753 8,335 8,916 9,498 10,079 10,661 11,242 11,824 12,405 12,599 12,793 12,987 13,180 13,374 13,568 13,762 13,956 14,150 14,343 14,537 14,731 14,925 15,119 15,313 15,506

4,324 4,526 4,731 4,940 5,149 5,358 5,638 5,919 6,199 6,425 6,584 6,905 7,336 7,768 8,198 8,622 9,133 9,643 10,154 10,664 11,174 11,593 12,013 12,432 12,852 13,270 14,265 152,60 16,255 17,250 18,246 19,241 20,236 21,231 21,563 21,895 22,227 22,558 22,890 23,222 23,554 23,885 24,217 24,549 24,881 25,212 25,544 25,876 26,207 26,539

1,827 1,910 1,994 2,078 2,163 2,245 2,321 2,397 2,473 2,572 2,670 2,842 3,043 3,168 3,293 3,412 3,541 3,670 3,798 3,926 4,050 4,203 4,356 4,510 4,664 4,812 5,172 5,533 5,894 6,255 6,616 6,977 7,338 7,698 7,819 7,939 8,059 8,180 8,300 8,420 8,540 8,661 8,781 8,901 9,022 9,142 9,262 9,382 9,503 9,623

計劃二

計劃三

年齡

計劃一

1,142 1,085 1,080 1,075 1,070 915 913 912 910 908 907 905 903 902 900 898 897 895 905 915 933 977 1,003 1,030 1,056 1,097 1,128 1,160 1,191 1,223 1,250 1,307 1,366 1,424 1,483 1,540 1,600 1,658 1,717 1,777 1,851 1,959 2,069 2,162 2,255 2,345 2,429 2,514 2,601 2,686

2,021 1,920 1,912 1,903 1,895 1,691 1,688 1,685 1,682 1,679 1,676 1,673 1,670 1,667 1,663 1,660 1,657 1,654 1,664 1,674 1,690 1,744 1,774 1,804 1,844 1,912 1,956 2,001 2,045 2,089 2,129 2,206 2,281 2,356 2,432 2,507 2,610 2,712 2,816 2,919 3,048 3,209 3,373 3,509 3,644 3,779 3,944 4,111 4,278 4,445

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

1,609 1,679 1,750 1,820 1,892 1,963 2,058 2,154 2,248 2,323 2,374 2,482 2,628 2,775 2,921 3,066 3,244 3,420 3,596 3,773 3,946 4,094 4,243 4,392 4,542 4,685 5,036 5,388 5,739 6,090 6,442 6,793 7,144 7,496 7,613 7,730 7,847 7,964 8,081 8,198 8,316 8,433 8,550 8,667 8,784 8,901 9,018 9,135 9,252 9,370

Plan 3

Plan 1

Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃 Female 女 Plan 2 Plan 3

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

1,060 1,007 1,002 998 993 852 851 849 848 846 845 843 842 840 839 837 836 834 844 854 864 874 895 911 927 948 960 971 981 991 1,001 1,020 1,047 1,073 1,100 1,122 1,174 1,227 1,279 1,331 1,407 1,495 1,598 1,677 1,757 1,834 1,917 2,001 2,085 2,171

1,873 1,780 1,772 1,764 1,756 1,562 1,559 1,556 1,554 1,551 1,548 1,545 1,543 1,540 1,537 1,534 1,531 1,529 1,539 1,549 1,559 1,578 1,618 1,658 1,683 1,725 1,744 1,763 1,775 1,786 1,796 1,835 1,876 1,916 1,957 1,996 2,080 2,165 2,249 2,335 2,459 2,614 2,793 2,929 3,065 3,200 3,358 3,519 3,682 3,845

686 644 641 638 635 550 549 548 547 546 545 544 543 542 541 540 539 538 548 558 596 635 645 655 665 684 704 724 744 764 783 815 847 880 913 944 980 1,017 1,054 1,091 1,134 1,192 1,249 1,296 1,344 1,390 1,453 1,516 1,579 1,642

計劃二

計劃三

年齡

計劃一

2,772 2,932 3,093 3,254 3,416 3,578 3,739 3,899 4,059 4,258 4,454 4,696 4,988 5,152 5,316 5,476 5,757 6,037 6,318 6,598 6,875 7,134 7,392 7,651 7,909 8,167 8,780 9,392 10,005 10,617 11,230 11,842 12,455 13,067 13,272 13,476 13,680 13,884 14,088 14,293 14,497 14,701 14,905 15,109 15,313 15,518 15,722 15,926 16,130 16,334

4,612 4,842 5,074 5,305 5,538 5,766 5,995 6,221 6,448 6,734 7,022 7,427 7,911 8,193 8,475 8,752 9,171 9,591 10,010 10,431 10,846 11,254 11,662 12,069 12,477 12,879 13,845 14,811 15,777 16,743 17,709 18,675 19,641 20,607 20,929 21,251 21,573 21,895 22,217 22,539 22,861 23,183 23,505 23,827 24,149 24,471 24,793 25,115 25,437 25,759

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

686 644 641 638 635 545 544 543 542 541 540 539 538 537 536 535 534 533 543 553 563 573 598 608 618 628 638 648 658 668 678 690 707 725 743 757 792 827 862 897 942 1,000 1,067 1,119 1,169 1,215 1,275 1,335 1,396 1,458

The above table is for illustration purposes and applicable to Optional Supplementary Benefit attaching to SunHealth Medical Care – Basic Plan only. 以上只作說明之用並只適用於在附加於永明貼心醫療保 - 基本計劃之自選額外保障。

Age

Plan 3

Plan 1

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

2,256 2,367 2,478 2,591 2,706 2,821 2,976 3,132 3,286 3,412 3,503 3,684 3,923 4,164 4,402 4,636 4,919 5,201 5,484 5,767 6,044 6,268 6,492 6,715 6,938 7,159 7,696 8,233 8,770 9,307 9,844 10,381 10,918 11,455 11,634 11,813 11,992 12,171 12,350 12,529 12,708 12,887 13,066 13,245 13,424 13,602 13,781 13,960 14,139 14,318

4,006 4,194 4,385 4,576 4,771 4,963 5,222 5,480 5,740 5,948 6,098 6,393 6,792 7,191 7,589 7,984 8,456 8,930 9,403 9,877 10,348 10,729 11,112 11,494 11,876 12,257 13,176 14,095 15,015 15,934 16,853 17,772 18,692 19,611 19,917 20,224 20,530 20,837 21,143 21,449 21,756 22,062 22,369 22,675 22,982 23,288 23,594 23,901 24,207 24,514

1,704 1,775 1,848 1,921 1,994 2,064 2,139 2,213 2,287 2,382 2,477 2,613 2,778 2,871 2,966 3,054 3,179 3,306 3,431 3,558 3,683 3,820 3,957 4,093 4,229 4,363 4,690 5,018 5,345 5,672 5,999 6,327 6,654 6,981 7,090 7,199 7,308 7,417 7,526 7,635 7,745 7,854 7,963 8,072 8,181 8,290 8,399 8,508 8,617 8,726

計劃二

計劃三

年齡

計劃一

1,060 1,007 1,002 998 993 847 845 844 842 840 839 837 836 834 833 831 830 828 838 848 864 905 929 953 977 1,017 1,046 1,075 1,103 1,133 1,158 1,212 1,266 1,322 1,376 1,426 1,482 1,537 1,592 1,648 1,716 1,815 1,916 2,002 2,087 2,170 2,248 2,327 2,406 2,486

1,873 1,780 1,772 1,764 1,756 1,552 1,549 1,547 1,544 1,541 1,538 1,535 1,532 1,530 1,527 1,524 1,521 1,518 1,528 1,538 1,583 1,631 1,656 1,681 1,713 1,772 1,813 1,854 1,894 1,935 1,972 2,043 2,114 2,185 2,256 2,324 2,419 2,513 2,607 2,702 2,823 2,971 3,124 3,249 3,374 3,498 3,641 3,785 3,929 4,074

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

1,518 1,592 1,668 1,744 1,821 1,895 1,982 2,068 2,154 2,222 2,267 2,362 2,495 2,628 2,761 2,891 3,058 3,226 3,392 3,559 3,720 3,858 3,996 4,134 4,272 4,408 4,738 5,069 5,399 5,730 6,060 6,391 6,722 7,052 7,162 7,273 7,383 7,493 7,603 7,713 7,823 7,934 8,044 8,154 8,264 8,374 8,485 8,595 8,705 8,815

Plan 3

Plan 1

Female 女 Plan 2 Plan 3 計劃二

計劃三

2,560 2,712 2,863 3,016 3,168 3,322 3,471 3,621 3,770 3,955 4,140 4,355 4,615 4,759 4,901 5,039 5,305 5,571 5,837 6,104 6,368 6,604 6,839 7,074 7,309 7,544 8,109 8,675 9,241 9,807 10,373 10,938 11,504 12,070 12,258 12,447 12,636 12,824 13,013 13,201 13,390 13,579 13,767 13,956 14,144 14,333 14,522 14,710 14,899 15,087

4,218 4,426 4,634 4,843 5,052 5,261 5,473 5,686 5,896 6,163 6,433 6,784 7,206 7,444 7,681 7,918 8,342 8,768 9,193 9,617 10,042 10,414 10,784 11,156 11,527 11,896 12,788 13,680 14,572 15,464 16,356 17,249 18,141 19,033 19,330 19,628 19,925 20,222 20,520 20,817 21,115 21,412 21,709 22,007 22,304 22,601 22,899 23,196 23,494 23,791

The above table is for illustration purposes and applicable to Optional Supplementary Benefit attaching to SunHealth Medical Care – Rider only. 以上只作說明之用並只適用於在附加於永明貼心醫療保 - 附加計劃之自選額外保障。

SunHealth Medical Care 永明貼心醫療保

Optional Supplementary Benefit 自選額外保障

Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃

年齡

Plan 1

計劃一

Male 男 Plan 2 計劃二

計劃三

計劃一

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

2,269 2,022 2,014 2,006 1,998 1,578 1,569 1,559 1,550 1,541 1,532 1,522 1,513 1,504 1,495 1,499 1,499 1,499 1,509 1,519 1,537 1,620 1,704 1,715 1,725 1,735 1,745 1,755 1,765 1,775 1,785 1,798 1,843 1,888 1,934 1,978 2,057 2,138 2,219 2,300 2,417 2,574 2,754 2,893 3,032 3,168 3,318 3,468 3,618 3,769

4,139 3,772 3,756 3,741 3,726 2,937 2,920 2,903 2,885 2,868 2,851 2,834 2,817 2,799 2,782 2,790 2,790 2,790 2,800 2,810 2,839 2,932 3,027 3,066 3,106 3,144 3,183 3,221 3,246 3,271 3,296 3,383 3,470 3,557 3,644 3,725 3,939 4,153 4,369 4,585 4,879 5,186 5,544 5,815 6,088 6,355 6,595 6,836 7,075 7,315

7,321 6,670 6,643 6,616 6,588 5,149 5,119 5,089 5,058 5,028 4,998 4,968 4,938 4,908 4,877 4,891 4,891 4,891 4,901 4,911 5,356 5,541 5,678 5,816 5,901 5,985 6,048 6,113 6,150 6,188 6,222 6,363 6,505 6,647 6,788 6,927 7,218 7,510 7,803 8,097 8,533 9,065 9,686 10,156 10,628 11,100 11,445 11,790 12,135 12,480

2,245 2,001 1,993 1,985 1,976 1,595 1,585 1,576 1,566 1,557 1,547 1,538 1,528 1,519 1,509 1,513 1,519 1,524 1,534 1,544 1,705 1,820 1,851 1,882 1,913 1,941 2,004 2,065 2,127 2,188 2,244 2,332 2,420 2,508 2,596 2,681 2,783 2,885 2,988 3,091 3,221 3,418 3,617 3,785 3,955 4,119 4,265 4,410 4,557 4,703

Age

Plan 3

Plan 1

The above table is for illustration purpose only. 以上只作說明之用。

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

7,551 7,866 8,181 8,495 8,810 9,122 9,651 10,182 10,715 11,156 11,485 12,108 12,928 13,752 14,578 15,402 16,341 17,278 18,217 19,156 20,091 20,984 21,878 22773 23666 24560 25,066 25,573 26,078 26,584 27,090 27,683 28,277 28,870 29,464 30,056 30,539 31,023 31,506 31,990 32,471 32,687 32,905 33,121 33,338 33,551 33,714 33,876 34,039 34,202

12,819 13,325 13,832 14,338 14,844 15,351 16,374 17,400 18,430 19,302 19,988 21,014 22,386 23,762 25,145 26,530 28,103 29,675 31,247 32,819 34,388 35,920 37,451 38,984 40,516 42,043 42,911 43,777 44,644 45,510 46,372 47,389 48,405 49,421 50,437 51,449 52,276 53,105 53,932 54,760 55,584 56,223 56,862 57,503 58,142 58,778 59,393 60,009 60,623 61,239

4,848 5,031 5,213 5,395 5,578 5,755 5,946 6,137 6,327 6,578 6,829 7,208 7,661 7,920 8,178 8,433 8,772 9,112 9,452 9,792 10,127 10,492 10,857 11,221 11,586 11,948 12,189 12,430 12,669 12,910 13,147 13,430 13,714 13,998 14,281 14,560 14,846 15,131 15,415 15,700 15,982 16,224 16,466 16,708 16,949 17,187 17,330 17,474 17,617 17,760

計劃二

計劃三

年齡

計劃一

4,095 3,732 3,716 3,701 3,686 3,080 3,062 3,043 3,025 3,007 2,988 2,970 2,951 2,933 2,915 2,923 2,933 2,944 2,955 2,966 3,106 3,255 3,345 3,435 3,527 3,613 3,707 3,801 3,894 3,987 4,075 4,258 4,440 4,622 4,802 4,978 5,136 5,295 5,454 5,615 5,828 6,166 6,510 6,799 7,088 7,374 7,585 7,796 8,008 8,218

7,244 6,599 6,572 6,545 6,518 5,204 5,173 5,142 5,111 5,080 5,049 5,018 4,987 4,956 4,925 4,938 4,956 4,974 4,993 5,011 5,402 5,631 5,783 5,935 6,115 6,294 6,426 6,558 6,689 6,819 6,946 7,182 7,416 7,649 7,882 8,109 8,436 8,765 9,095 9,426 9,849 10,371 10,902 11,336 11,774 12,210 12,556 12,902 13,248 13,594

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

3,915 4,172 4,429 4,685 4,942 5,195 5,472 5,750 6,029 6,258 6,426 6,637 6,961 7,286 7,611 7,939 8,299 8,660 9,020 9,381 9,740 10,174 10,609 11,044 11,478 11,908 12,153 12,399 12,645 12,892 13,135 13,423 13,710 13,998 14,286 14,572 14,860 15,148 15,436 15,724 16,009 16,308 16,608 16,906 17,205 17,502 17,654 17,806 17,958 18,109

Plan 3

Plan 1

Optional Supplementary Benefit 自選額外保障

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

1,142 1,085 1,080 1,075 1,070 917 916 914 913 911 909 908 906 904 903 901 899 898 908 918 928 938 964 982 1,000 1,024 1,037 1,051 1,061 1,071 1,081 1,102 1,130 1,158 1,187 1,212 1,268 1,323 1,379 1,437 1,519 1,615 1,725 1,810 1,894 1,979 2,068 2,159 2,251 2,343

2,021 1,920 1,912 1,903 1,895 1,688 1,685 1,682 1,679 1,676 1,673 1,670 1,667 1,664 1,661 1,658 1,655 1,652 1,662 1,672 1,682 1,704 1,748 1,792 1,820 1,862 1,882 1,902 1,913 1,924 1,936 1,981 2,025 2,069 2,115 2,154 2,245 2,336 2,428 2,519 2,656 2,821 3,014 3,160 3,307 3,454 3,624 3,795 3,969 4,145

751 683 680 677 674 604 603 602 601 600 599 598 596 595 594 593 592 591 601 611 655 699 709 720 731 753 775 797 819 842 862 898 934 970 1,006 1,038 1,077 1,116 1,155 1,195 1,247 1,306 1,367 1,416 1,465 1,512 1,575 1,638 1,701 1,765

計劃二

計劃三

年齡

計劃一

8,429 8,814 9,200 9,587 9,972 10,355 10,734 11,113 11,490 11,975 12,463 13,344 14,372 15,040 15,705 16,363 17,269 18,174 19,080 19,986 20,892 21,642 22,393 23,144 23,896 24,643 25,139 25,634 26,130 26,625 27,117 27,700 28,284 28,868 29,453 30,034 30,512 30,989 31,465 31,943 32,418 32,523 32,629 32,735 32,840 32,945 33,094 33,245 33,395 33,543

13,937 14,613 15,287 15,962 16,637 17,308 18,162 19,012 19,859 20,895 21,943 23,370 25,051 26,101 27,147 28,185 29,700 31,215 32,729 34,244 35,758 37,044 38,330 39,616 40,901 42,187 43,033 43,880 44,727 45,574 46,420 47,418 48,417 49,416 50,414 51,411 52,227 53,044 53,862 54,679 55,491 55,934 56,378 56,820 57,263 57,703 58,167 58,630 59,094 59,558

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

751 683 680 677 674 579 578 577 576 575 574 573 572 571 570 569 568 567 577 587 597 607 634 644 654 664 674 684 694 704 714 731 750 768 788 802 838 874 911 947 998 1,058 1,130 1,183 1,237 1,289 1,352 1,415 1,480 1,544

Plan 3

Plan 1

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

2,436 2,556 2,678 2,801 2,925 3,046 3,215 3,382 3,551 3,687 3,783 3,977 4,234 4,491 4,748 5,004 5,309 5,614 5,918 6,224 6,529 6,774 7,020 7,266 7,511 7,753 8,335 8,916 9,498 10,079 10,661 11,242 11,824 12,405 12,599 12,793 12,987 13,180 13,374 13,568 13,762 13,956 14,150 14,343 14,537 14,731 14,925 15,119 15,313 15,506

4,324 4,526 4,731 4,940 5,149 5,358 5,638 5,919 6,199 6,425 6,584 6,905 7,336 7,768 8,198 8,622 9,133 9,643 10,154 10,664 11,174 11,593 12,013 12,432 12,852 13,270 14,265 152,60 16,255 17,250 18,246 19,241 20,236 21,231 21,563 21,895 22,227 22,558 22,890 23,222 23,554 23,885 24,217 24,549 24,881 25,212 25,544 25,876 26,207 26,539

1,827 1,910 1,994 2,078 2,163 2,245 2,321 2,397 2,473 2,572 2,670 2,842 3,043 3,168 3,293 3,412 3,541 3,670 3,798 3,926 4,050 4,203 4,356 4,510 4,664 4,812 5,172 5,533 5,894 6,255 6,616 6,977 7,338 7,698 7,819 7,939 8,059 8,180 8,300 8,420 8,540 8,661 8,781 8,901 9,022 9,142 9,262 9,382 9,503 9,623

計劃二

計劃三

年齡

計劃一

1,142 1,085 1,080 1,075 1,070 915 913 912 910 908 907 905 903 902 900 898 897 895 905 915 933 977 1,003 1,030 1,056 1,097 1,128 1,160 1,191 1,223 1,250 1,307 1,366 1,424 1,483 1,540 1,600 1,658 1,717 1,777 1,851 1,959 2,069 2,162 2,255 2,345 2,429 2,514 2,601 2,686

2,021 1,920 1,912 1,903 1,895 1,691 1,688 1,685 1,682 1,679 1,676 1,673 1,670 1,667 1,663 1,660 1,657 1,654 1,664 1,674 1,690 1,744 1,774 1,804 1,844 1,912 1,956 2,001 2,045 2,089 2,129 2,206 2,281 2,356 2,432 2,507 2,610 2,712 2,816 2,919 3,048 3,209 3,373 3,509 3,644 3,779 3,944 4,111 4,278 4,445

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

1,609 1,679 1,750 1,820 1,892 1,963 2,058 2,154 2,248 2,323 2,374 2,482 2,628 2,775 2,921 3,066 3,244 3,420 3,596 3,773 3,946 4,094 4,243 4,392 4,542 4,685 5,036 5,388 5,739 6,090 6,442 6,793 7,144 7,496 7,613 7,730 7,847 7,964 8,081 8,198 8,316 8,433 8,550 8,667 8,784 8,901 9,018 9,135 9,252 9,370

Plan 3

Plan 1

Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃 Female 女 Plan 2 Plan 3

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

1,060 1,007 1,002 998 993 852 851 849 848 846 845 843 842 840 839 837 836 834 844 854 864 874 895 911 927 948 960 971 981 991 1,001 1,020 1,047 1,073 1,100 1,122 1,174 1,227 1,279 1,331 1,407 1,495 1,598 1,677 1,757 1,834 1,917 2,001 2,085 2,171

1,873 1,780 1,772 1,764 1,756 1,562 1,559 1,556 1,554 1,551 1,548 1,545 1,543 1,540 1,537 1,534 1,531 1,529 1,539 1,549 1,559 1,578 1,618 1,658 1,683 1,725 1,744 1,763 1,775 1,786 1,796 1,835 1,876 1,916 1,957 1,996 2,080 2,165 2,249 2,335 2,459 2,614 2,793 2,929 3,065 3,200 3,358 3,519 3,682 3,845

686 644 641 638 635 550 549 548 547 546 545 544 543 542 541 540 539 538 548 558 596 635 645 655 665 684 704 724 744 764 783 815 847 880 913 944 980 1,017 1,054 1,091 1,134 1,192 1,249 1,296 1,344 1,390 1,453 1,516 1,579 1,642

計劃二

計劃三

年齡

計劃一

2,772 2,932 3,093 3,254 3,416 3,578 3,739 3,899 4,059 4,258 4,454 4,696 4,988 5,152 5,316 5,476 5,757 6,037 6,318 6,598 6,875 7,134 7,392 7,651 7,909 8,167 8,780 9,392 10,005 10,617 11,230 11,842 12,455 13,067 13,272 13,476 13,680 13,884 14,088 14,293 14,497 14,701 14,905 15,109 15,313 15,518 15,722 15,926 16,130 16,334

4,612 4,842 5,074 5,305 5,538 5,766 5,995 6,221 6,448 6,734 7,022 7,427 7,911 8,193 8,475 8,752 9,171 9,591 10,010 10,431 10,846 11,254 11,662 12,069 12,477 12,879 13,845 14,811 15,777 16,743 17,709 18,675 19,641 20,607 20,929 21,251 21,573 21,895 22,217 22,539 22,861 23,183 23,505 23,827 24,149 24,471 24,793 25,115 25,437 25,759

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

686 644 641 638 635 545 544 543 542 541 540 539 538 537 536 535 534 533 543 553 563 573 598 608 618 628 638 648 658 668 678 690 707 725 743 757 792 827 862 897 942 1,000 1,067 1,119 1,169 1,215 1,275 1,335 1,396 1,458

The above table is for illustration purposes and applicable to Optional Supplementary Benefit attaching to SunHealth Medical Care – Basic Plan only. 以上只作說明之用並只適用於在附加於永明貼心醫療保 - 基本計劃之自選額外保障。

Age

Plan 3

Plan 1

Female 女 Plan 2 Plan 3

Age

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

2,256 2,367 2,478 2,591 2,706 2,821 2,976 3,132 3,286 3,412 3,503 3,684 3,923 4,164 4,402 4,636 4,919 5,201 5,484 5,767 6,044 6,268 6,492 6,715 6,938 7,159 7,696 8,233 8,770 9,307 9,844 10,381 10,918 11,455 11,634 11,813 11,992 12,171 12,350 12,529 12,708 12,887 13,066 13,245 13,424 13,602 13,781 13,960 14,139 14,318

4,006 4,194 4,385 4,576 4,771 4,963 5,222 5,480 5,740 5,948 6,098 6,393 6,792 7,191 7,589 7,984 8,456 8,930 9,403 9,877 10,348 10,729 11,112 11,494 11,876 12,257 13,176 14,095 15,015 15,934 16,853 17,772 18,692 19,611 19,917 20,224 20,530 20,837 21,143 21,449 21,756 22,062 22,369 22,675 22,982 23,288 23,594 23,901 24,207 24,514

1,704 1,775 1,848 1,921 1,994 2,064 2,139 2,213 2,287 2,382 2,477 2,613 2,778 2,871 2,966 3,054 3,179 3,306 3,431 3,558 3,683 3,820 3,957 4,093 4,229 4,363 4,690 5,018 5,345 5,672 5,999 6,327 6,654 6,981 7,090 7,199 7,308 7,417 7,526 7,635 7,745 7,854 7,963 8,072 8,181 8,290 8,399 8,508 8,617 8,726

計劃二

計劃三

年齡

計劃一

1,060 1,007 1,002 998 993 847 845 844 842 840 839 837 836 834 833 831 830 828 838 848 864 905 929 953 977 1,017 1,046 1,075 1,103 1,133 1,158 1,212 1,266 1,322 1,376 1,426 1,482 1,537 1,592 1,648 1,716 1,815 1,916 2,002 2,087 2,170 2,248 2,327 2,406 2,486

1,873 1,780 1,772 1,764 1,756 1,552 1,549 1,547 1,544 1,541 1,538 1,535 1,532 1,530 1,527 1,524 1,521 1,518 1,528 1,538 1,583 1,631 1,656 1,681 1,713 1,772 1,813 1,854 1,894 1,935 1,972 2,043 2,114 2,185 2,256 2,324 2,419 2,513 2,607 2,702 2,823 2,971 3,124 3,249 3,374 3,498 3,641 3,785 3,929 4,074

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

1,518 1,592 1,668 1,744 1,821 1,895 1,982 2,068 2,154 2,222 2,267 2,362 2,495 2,628 2,761 2,891 3,058 3,226 3,392 3,559 3,720 3,858 3,996 4,134 4,272 4,408 4,738 5,069 5,399 5,730 6,060 6,391 6,722 7,052 7,162 7,273 7,383 7,493 7,603 7,713 7,823 7,934 8,044 8,154 8,264 8,374 8,485 8,595 8,705 8,815

Plan 3

Plan 1

Female 女 Plan 2 Plan 3 計劃二

計劃三

2,560 2,712 2,863 3,016 3,168 3,322 3,471 3,621 3,770 3,955 4,140 4,355 4,615 4,759 4,901 5,039 5,305 5,571 5,837 6,104 6,368 6,604 6,839 7,074 7,309 7,544 8,109 8,675 9,241 9,807 10,373 10,938 11,504 12,070 12,258 12,447 12,636 12,824 13,013 13,201 13,390 13,579 13,767 13,956 14,144 14,333 14,522 14,710 14,899 15,087

4,218 4,426 4,634 4,843 5,052 5,261 5,473 5,686 5,896 6,163 6,433 6,784 7,206 7,444 7,681 7,918 8,342 8,768 9,193 9,617 10,042 10,414 10,784 11,156 11,527 11,896 12,788 13,680 14,572 15,464 16,356 17,249 18,141 19,033 19,330 19,628 19,925 20,222 20,520 20,817 21,115 21,412 21,709 22,007 22,304 22,601 22,899 23,196 23,494 23,791

The above table is for illustration purposes and applicable to Optional Supplementary Benefit attaching to SunHealth Medical Care – Rider only. 以上只作說明之用並只適用於在附加於永明貼心醫療保 - 附加計劃之自選額外保障。

Optional Female Benefit 自選女性保障

SUPPLEMENTARY INFORMATION TO ILLUSTRATE PREMIUM ADJUSTMENT OF SUNHEALTH MEDICAL CARE

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Age

Plan 1

年齡

計劃一

18 19 20 21 22 23 24 25 26 27 28 29

432 432 432 435 437 439 440 440 445 450 454 459

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

512 512 512 516 521 526 530 534 541 547 554 561

634 634 643 653 664 674 684 690 699 708 718 727

30 31 32 33 34 35 36 37 38 39 40 41

461 467 473 478 484 489 496 503 509 516 523 534

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

565 576 588 599 611 618 629 641 652 664 673 689

733 748 762 777 792 803 822 842 861 881 896 920

42 43 44 45 46 47 48 49

544 554 565 573 584 597 607 618

Female 女 Plan 2 Plan 3 計劃二

計劃三

705 721 737 753 771 790 811 833

944 968 992 1,012 1,047 1,080 1,122 1,163

The above table is for illustration purposes and applicable to Optional Female Benefit attaching to SunHealth Medical Care – Basic Plan only.

SunHealth Medical Care 永明貼心醫療保

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Notes: This supplementary information explains the non-guaranteed premiums of SunHealth Medical Care. 註: 此附加資料旨在解釋有關「永明貼心醫療保」之非保證保費。

With medical technology advances, the demands on medical services increase. This leads to increase in the costs of treatments. This may mean that as the costs increase, premiums also need to be adjusted. Below are illustrative examples of premium adjustment to SunHealth Medical Care1 for your reference. 隨着醫療技術進步，醫療服務需求因而增加，治療成本亦隨之上升。保費亦有可能因成本上升而作出調整。以下 為「永明貼心醫療保」之保費調整1說明例子以供參考。

Insured:

受保人：

35-year-old non-smoking male

35歲，男性，非吸煙

Plan Name: SunHealth Medical Care – Plan 1 Age

Plan 1

年齡

計劃一

18 19 20 21 22 23 24 25 26 27 28 29

353 353 353 354 355 357 358 359 363 368 373 377

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

419 419 419 422 426 429 432 436 442 447 453 459

518 518 527 535 543 551 559 562 570 578 587 595

30 31 32 33 34 35 36 37 38 39 40 41

380 384 389 393 398 399 405 411 416 422 428 436

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

461 470 480 489 498 505 514 523 532 542 549 562

598 610 621 633 644 656 670 685 700 715 730 750

42 43 44 45 46 47 48 49

444 452 460 467 476 488 495 505

Female 女 Plan 2 Plan 3 計劃二

計劃三

576 590 604 614 629 645 661 681

769 789 808 826 853 881 915 948

The above table is for illustration purposes and applicable to Optional Female Benefit attaching to SunHealth Medical Care – Rider only. 以上只作說明之用並只適用於在附加於永明貼心醫療保- 附加計劃之自選女性保障。

USD 1 = HKD8 RMB1 = Approximately HKD1.14

美元1 = 港元8 人民幣1 = 約為港元1.14

Remarks: 1. The amounts shown in blue rows are only applicable to policy renewals. 2. Premiums are not guaranteed and may be revised to reflect the prevailing policy experience (e.g. claim experience, medical inflation and benefit changes over time). For details, please refer to your policy documents. 3. SunHealth Medical Care-Premium Table is for reference only and is subject to change by Sun Life Hong Kong Limited from time to time. 4. You may choose to pay your premiums in RMB and to receive benefits in Hong Kong Dollars at an exchange rate determined by the Company from time to time. Due to exchange rate fluctuations, there is a risk that RMB will depreciate or appreciate against Hong Kong Dollars. You may be affected by such fluctuations if you choose to receive your benefits in a currency different from your payment currency. 5. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. You may have to allow time for conversion of RMB from/to another currency if your amount exceeds the applicable daily limit. 備註: 1. 在藍色方格內之保費金額只適用於續保。 2. 保費並非保證不變，及有可能因反映當時的保單經驗（例如賠償經驗、醫療費用上漲及保障改變而作出調整）。詳情請參閱保單文件。 3.「永明貼心醫療保」﹣保費表只供參考，並由香港永明金融有限公司不時作出變動。 4. 如保單貨幣為人民幣，您可以選擇人民幣支付保費並以港元收取利益，而其匯率將不時由永明金融全權決定。由於匯率波動，人民幣兌港元有可能 貶值或漲值。若您選擇以不同於支付貨幣的貨幣收取賠償價值，您可能會受到匯率波動影響。 5. 人民幣現時並非自由兌換貨幣，於香港之銀行兌換人民幣受若干條件限制。如兌換金額超過每日兌換限額，您可能需要一段時間方可將人民幣兌換 自/至另一種貨幣。

計劃名稱： 永明貼心醫療保 - 計劃一

Basic Plan 基本計劃 Illustrative annual premiums following adjustments1

Age of insured

Current annual premiums (HKD)

受保人年齡

以現時準則計算之 每年保費(港元)

Increase 5% each year

Increase 10% each year

35

2,322

2,322

2,322

36

2,415

2,536

2,657

37

2,510

2,767

3,037

38

2,604

3,014

3,466

39

2,699

3,281

3,952

40

2,838

3,622

4,571

調整後之預計每年保費說明 1

每年向上調整5%

年齡

計劃一

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

2,392 2,274 2,264 2,255 2,246 1,851 1,841 1,830 1,819 1,808 1,797 1,786 1,776 1,765 1,754 1,759 1,759 1,759 1,769 1,779 1,789 1,864 1,972 1,995 2,018 2,036 2,046 2,056 2,066 2,076 2,086 2,108 2,163 2,217 2,271 2,322 2,415 2,510 2,604 2,699 2,838 3,019 3,232 3,395 3,559 3,718 3,893 4,070 4,246 4,423

4,654 4,425 4407 4,389 4,371 3,601 3,580 3,558 3,537 3,516 3,495 3,474 3,453 3,432 3,411 3,420 3,420 3,420 3,430 3,440 3,450 3,547 3,673 3,735 3,798 3,859 3,906 3,952 3,982 4,012 4,042 4,149 4,255 4,362 4,468 4,571 4,731 4,892 5,055 5,216 5,467 5,876 6,344 6,715 7,086 7,458 7,740 8,020 8,302 8,584

8,236 7,829 7,797 7,765 7,733 6,619 6,580 6,541 6,502 6,464 6,425 6,386 6,347 6,308 6,270 6,287 6,287 6,287 6,297 6,307 6,317 6,505 6,663 6,823 6,924 7,023 7,098 7,172 7,216 7,261 7,300 7,466 7,632 7,799 7,965 8,131 8,472 8,812 9,155 9,498 10,015 10,638 11,367 11,920 12,472 13,027 13,568 14,109 14,650 15,192

2,353 2,157 2,147 2,138 2,129 1,874 1,862 1,850 1,839 1,827 1,815 1,804 1,792 1,780 1,769 1,774 1,781 1,787 1,797 1,807 1,850 2,010 2,077 2,145 2,214 2,279 2,350 2,423 2,495 2,566 2,633 2,737 2,841 2,945 3,047 3,146 3,241 3,336 3,432 3,527 3,659 3,864 4,075 4,252 4,428 4,603 4,749 4,896 5,042 5,190

Age

Illustrative example 說明例子 : Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃

「永明貼心醫療保」- 保費表

「永明貼心醫療保」保費調整之附加資料

以上只作說明之用並只適用於在附加於永明貼心醫療保 - 基本計劃之自選女性保障。

Optional Female Benefit 自選女性保障

SUNHEALTH MEDICAL CARE ﹣ PREMIUM TABLE

每年向上調整10%

Note: Figures in the above example are hypothetical and for illustrative purpose only. 註：上述例子之數字純屬假設及僅供說明之用。

1 Premiums (including Optional Supplementary Benefit and Optional Female Benefit, where applicable) are not guaranteed and may be revised from time to time. The illustrative annual premium increases of 5% and 10% are for your reference only and not necessarily prediction of future annual premium increases. 1 保費 (包括自選額外保障及自選女性保障，如適用)，非保證不變，及有可能不時調整。保費調整說明向上調整5%及10%僅供參考，並不等於每年 保費向上調整之預期。

Plan 3

Plan 1

The above table is for illustration purpose only. 以上只作說明之用。

Female 女 Plan 2 Plan 3 計劃二

計劃三

年齡

計劃一

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

4,579 4,197 4,179 4,161 4,143 3,461 3,440 3,418 3,397 3,375 3,354 3,332 3,311 3,289 3,267 3,277 3,289 3,302 3,315 3,327 3,340 3,533 3,664 3,796 3,929 4,057 4,161 4,266 4,370 4,474 4,576 4,779 4,982 5,185 5,387 5,586 5,799 6,012 6,226 6,441 6,717 7,107 7,504 7,836 8,170 8,502 8,823 9,145 9,466 9,788

8,102 7,426 7,394 7,362 7,330 6,295 6,256 6,217 6,178 6,139 6,100 6,060 6,021 5,982 5,943 5,960 5,983 6,006 6,028 6,051 6,218 6,446 6,587 6,727 6,899 7,068 7,215 7,362 7,508 7,653 7,798 8,060 8,321 8,582 8,841 9,098 9,467 9,838 10,209 10,582 11,057 11,643 12,240 12,730 13,221 13,712 14,246 14,781 15,315 15,850

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

4,595 4,894 5,196 5,497 5,797 6,095 6,422 6,749 7,077 7,345 7,543 7,791 8,172 8,555 8,938 9,316 9,739 10,161 10,584 11,008 11,430 11,860 12,288 12,718 13,147 13,576 13,815 14,055 14,295 14,535 14,773 15,096 15,421 15,746 16,070 16,390 16,713 17,038 17,363 17,687 18,009 18,283 18,558 18,833 19,107 19,378 19,690 20,001 20,311 20,620

8,862 9,232 9,603 9,972 10,342 10,707 11,327 11,950 12,574 13,091 13,481 14,211 15,173 16,139 17,108 18,080 19,180 20,282 21,383 22,484 23,582 24,357 25,133 25,907 26,682 27,454 28,006 28,559 29,112 29,666 30,215 30,907 31,600 32,294 32,987 33,679 34,303 34,929 35,555 36,181 36,802 37,457 38,114 38,770 39,428 40,081 40,682 41,284 41,885 42,485

15,731 16,353 16,975 17,597 18,221 18,837 19,875 20,918 21,964 22,821 23,464 24,669 26,281 27,899 29,521 31,146 32,990 34,836 36,682 38,527 40,367 41,883 43,399 44,915 46,430 47,943 49,058 50,173 51,287 52,401 53,513 54,387 55,261 56,134 57,009 57,881 58,812 59,743 60,675 61,606 62,532 63,134 63,736 64,337 64,939 65,536 65,894 66,252 66,609 66,965

5,332 5,618 5,904 6,189 6,475 6,757 6,948 7,137 7,326 7,584 7,842 8,317 8,881 9,221 9,558 9,893 10,198 10,504 10,810 11,117 11,419 11,820 12,221 12,621 13,022 13,421 13,628 13,835 14,043 14,250 14,454 14,738 15,024 15,308 15,593 15,874 16,186 16,500 16,814 17,127 17,441 17,742 18,044 18,347 18,649 18,948 19,368 19,790 20,210 20,632

Age

Plan 3

Plan 1

Female 女 Plan 2 Plan 3 計劃二

計劃三

10,107 10,658 11,209 11,761 12,312 12,859 13,425 13,989 14,550 15,249 15,953 16,788 17,794 18,350 18,902 19,448 20,109 20,773 21,437 22,100 22,759 23,637 24,514 25,391 26,269 27,141 27,627 28,111 28,596 29,080 29,562 30,172 30,784 31,394 32,005 32,617 33,221 33,826 34,431 35,035 35,640 36,350 37,059 37,769 38,479 39,189 40,018 40,848 41,678 42,507

16,384 17,171 17,958 18,744 19,531 20,315 21,143 21,970 22,792 23,829 24,876 26,716 28,850 30,263 31,670 33,071 34,523 35,975 37,427 38,879 40,330 41,744 43,158 44,572 45,987 47,400 48,392 49,384 50,376 51,368 52,359 53,099 53,839 54,577 55,317 56,057 56,958 57,859 58,759 59,661 60,561 61,264 61,966 62,671 63,373 64,076 64,809 65,540 66,272 67,001

Optional Female Benefit 自選女性保障

SUPPLEMENTARY INFORMATION TO ILLUSTRATE PREMIUM ADJUSTMENT OF SUNHEALTH MEDICAL CARE

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Age

Plan 1

年齡

計劃一

18 19 20 21 22 23 24 25 26 27 28 29

432 432 432 435 437 439 440 440 445 450 454 459

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

512 512 512 516 521 526 530 534 541 547 554 561

634 634 643 653 664 674 684 690 699 708 718 727

30 31 32 33 34 35 36 37 38 39 40 41

461 467 473 478 484 489 496 503 509 516 523 534

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

565 576 588 599 611 618 629 641 652 664 673 689

733 748 762 777 792 803 822 842 861 881 896 920

42 43 44 45 46 47 48 49

544 554 565 573 584 597 607 618

Female 女 Plan 2 Plan 3 計劃二

計劃三

705 721 737 753 771 790 811 833

944 968 992 1,012 1,047 1,080 1,122 1,163

The above table is for illustration purposes and applicable to Optional Female Benefit attaching to SunHealth Medical Care – Basic Plan only.

SunHealth Medical Care 永明貼心醫療保

Annual Premium (HKD) - Basic Plan 每年保費 (港元) - 基本計劃 Notes: This supplementary information explains the non-guaranteed premiums of SunHealth Medical Care. 註: 此附加資料旨在解釋有關「永明貼心醫療保」之非保證保費。

With medical technology advances, the demands on medical services increase. This leads to increase in the costs of treatments. This may mean that as the costs increase, premiums also need to be adjusted. Below are illustrative examples of premium adjustment to SunHealth Medical Care1 for your reference. 隨着醫療技術進步，醫療服務需求因而增加，治療成本亦隨之上升。保費亦有可能因成本上升而作出調整。以下 為「永明貼心醫療保」之保費調整1說明例子以供參考。

Insured:

受保人：

35-year-old non-smoking male

35歲，男性，非吸煙

Plan Name: SunHealth Medical Care – Plan 1 Age

Plan 1

年齡

計劃一

18 19 20 21 22 23 24 25 26 27 28 29

353 353 353 354 355 357 358 359 363 368 373 377

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

419 419 419 422 426 429 432 436 442 447 453 459

518 518 527 535 543 551 559 562 570 578 587 595

30 31 32 33 34 35 36 37 38 39 40 41

380 384 389 393 398 399 405 411 416 422 428 436

Female 女 Plan 2 Plan 3

Age

Plan 1

計劃二

計劃三

年齡

計劃一

461 470 480 489 498 505 514 523 532 542 549 562

598 610 621 633 644 656 670 685 700 715 730 750

42 43 44 45 46 47 48 49

444 452 460 467 476 488 495 505

Female 女 Plan 2 Plan 3 計劃二

計劃三

576 590 604 614 629 645 661 681

769 789 808 826 853 881 915 948

The above table is for illustration purposes and applicable to Optional Female Benefit attaching to SunHealth Medical Care – Rider only. 以上只作說明之用並只適用於在附加於永明貼心醫療保- 附加計劃之自選女性保障。

USD 1 = HKD8 RMB1 = Approximately HKD1.14

美元1 = 港元8 人民幣1 = 約為港元1.14

Remarks: 1. The amounts shown in blue rows are only applicable to policy renewals. 2. Premiums are not guaranteed and may be revised to reflect the prevailing policy experience (e.g. claim experience, medical inflation and benefit changes over time). For details, please refer to your policy documents. 3. SunHealth Medical Care-Premium Table is for reference only and is subject to change by Sun Life Hong Kong Limited from time to time. 4. You may choose to pay your premiums in RMB and to receive benefits in Hong Kong Dollars at an exchange rate determined by the Company from time to time. Due to exchange rate fluctuations, there is a risk that RMB will depreciate or appreciate against Hong Kong Dollars. You may be affected by such fluctuations if you choose to receive your benefits in a currency different from your payment currency. 5. RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to certain restrictions. You may have to allow time for conversion of RMB from/to another currency if your amount exceeds the applicable daily limit. 備註: 1. 在藍色方格內之保費金額只適用於續保。 2. 保費並非保證不變，及有可能因反映當時的保單經驗（例如賠償經驗、醫療費用上漲及保障改變而作出調整）。詳情請參閱保單文件。 3.「永明貼心醫療保」﹣保費表只供參考，並由香港永明金融有限公司不時作出變動。 4. 如保單貨幣為人民幣，您可以選擇人民幣支付保費並以港元收取利益，而其匯率將不時由永明金融全權決定。由於匯率波動，人民幣兌港元有可能 貶值或漲值。若您選擇以不同於支付貨幣的貨幣收取賠償價值，您可能會受到匯率波動影響。 5. 人民幣現時並非自由兌換貨幣，於香港之銀行兌換人民幣受若干條件限制。如兌換金額超過每日兌換限額，您可能需要一段時間方可將人民幣兌換 自/至另一種貨幣。

計劃名稱： 永明貼心醫療保 - 計劃一

Basic Plan 基本計劃 Illustrative annual premiums following adjustments1

Age of insured

Current annual premiums (HKD)

受保人年齡

以現時準則計算之 每年保費(港元)

Increase 5% each year

Increase 10% each year

35

2,322

2,322

2,322

36

2,415

2,536

2,657

37

2,510

2,767

3,037

38

2,604

3,014

3,466

39

2,699

3,281

3,952

40

2,838

3,622

4,571

調整後之預計每年保費說明 1

每年向上調整5%

年齡

計劃一

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

2,392 2,274 2,264 2,255 2,246 1,851 1,841 1,830 1,819 1,808 1,797 1,786 1,776 1,765 1,754 1,759 1,759 1,759 1,769 1,779 1,789 1,864 1,972 1,995 2,018 2,036 2,046 2,056 2,066 2,076 2,086 2,108 2,163 2,217 2,271 2,322 2,415 2,510 2,604 2,699 2,838 3,019 3,232 3,395 3,559 3,718 3,893 4,070 4,246 4,423

4,654 4,425 4407 4,389 4,371 3,601 3,580 3,558 3,537 3,516 3,495 3,474 3,453 3,432 3,411 3,420 3,420 3,420 3,430 3,440 3,450 3,547 3,673 3,735 3,798 3,859 3,906 3,952 3,982 4,012 4,042 4,149 4,255 4,362 4,468 4,571 4,731 4,892 5,055 5,216 5,467 5,876 6,344 6,715 7,086 7,458 7,740 8,020 8,302 8,584

8,236 7,829 7,797 7,765 7,733 6,619 6,580 6,541 6,502 6,464 6,425 6,386 6,347 6,308 6,270 6,287 6,287 6,287 6,297 6,307 6,317 6,505 6,663 6,823 6,924 7,023 7,098 7,172 7,216 7,261 7,300 7,466 7,632 7,799 7,965 8,131 8,472 8,812 9,155 9,498 10,015 10,638 11,367 11,920 12,472 13,027 13,568 14,109 14,650 15,192

2,353 2,157 2,147 2,138 2,129 1,874 1,862 1,850 1,839 1,827 1,815 1,804 1,792 1,780 1,769 1,774 1,781 1,787 1,797 1,807 1,850 2,010 2,077 2,145 2,214 2,279 2,350 2,423 2,495 2,566 2,633 2,737 2,841 2,945 3,047 3,146 3,241 3,336 3,432 3,527 3,659 3,864 4,075 4,252 4,428 4,603 4,749 4,896 5,042 5,190

Age

Illustrative example 說明例子 : Annual Premium (HKD) - Rider 每年保費 (港元) - 附加計劃

「永明貼心醫療保」- 保費表

「永明貼心醫療保」保費調整之附加資料

以上只作說明之用並只適用於在附加於永明貼心醫療保 - 基本計劃之自選女性保障。

Optional Female Benefit 自選女性保障

SUNHEALTH MEDICAL CARE ﹣ PREMIUM TABLE

每年向上調整10%

Note: Figures in the above example are hypothetical and for illustrative purpose only. 註：上述例子之數字純屬假設及僅供說明之用。

1 Premiums (including Optional Supplementary Benefit and Optional Female Benefit, where applicable) are not guaranteed and may be revised from time to time. The illustrative annual premium increases of 5% and 10% are for your reference only and not necessarily prediction of future annual premium increases. 1 保費 (包括自選額外保障及自選女性保障，如適用)，非保證不變，及有可能不時調整。保費調整說明向上調整5%及10%僅供參考，並不等於每年 保費向上調整之預期。

Plan 3

Plan 1

The above table is for illustration purpose only. 以上只作說明之用。

Female 女 Plan 2 Plan 3 計劃二

計劃三

年齡

計劃一

Plan 1

Male 男 Plan 2 計劃二

計劃三

計劃一

4,579 4,197 4,179 4,161 4,143 3,461 3,440 3,418 3,397 3,375 3,354 3,332 3,311 3,289 3,267 3,277 3,289 3,302 3,315 3,327 3,340 3,533 3,664 3,796 3,929 4,057 4,161 4,266 4,370 4,474 4,576 4,779 4,982 5,185 5,387 5,586 5,799 6,012 6,226 6,441 6,717 7,107 7,504 7,836 8,170 8,502 8,823 9,145 9,466 9,788

8,102 7,426 7,394 7,362 7,330 6,295 6,256 6,217 6,178 6,139 6,100 6,060 6,021 5,982 5,943 5,960 5,983 6,006 6,028 6,051 6,218 6,446 6,587 6,727 6,899 7,068 7,215 7,362 7,508 7,653 7,798 8,060 8,321 8,582 8,841 9,098 9,467 9,838 10,209 10,582 11,057 11,643 12,240 12,730 13,221 13,712 14,246 14,781 15,315 15,850

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

4,595 4,894 5,196 5,497 5,797 6,095 6,422 6,749 7,077 7,345 7,543 7,791 8,172 8,555 8,938 9,316 9,739 10,161 10,584 11,008 11,430 11,860 12,288 12,718 13,147 13,576 13,815 14,055 14,295 14,535 14,773 15,096 15,421 15,746 16,070 16,390 16,713 17,038 17,363 17,687 18,009 18,283 18,558 18,833 19,107 19,378 19,690 20,001 20,311 20,620

8,862 9,232 9,603 9,972 10,342 10,707 11,327 11,950 12,574 13,091 13,481 14,211 15,173 16,139 17,108 18,080 19,180 20,282 21,383 22,484 23,582 24,357 25,133 25,907 26,682 27,454 28,006 28,559 29,112 29,666 30,215 30,907 31,600 32,294 32,987 33,679 34,303 34,929 35,555 36,181 36,802 37,457 38,114 38,770 39,428 40,081 40,682 41,284 41,885 42,485

15,731 16,353 16,975 17,597 18,221 18,837 19,875 20,918 21,964 22,821 23,464 24,669 26,281 27,899 29,521 31,146 32,990 34,836 36,682 38,527 40,367 41,883 43,399 44,915 46,430 47,943 49,058 50,173 51,287 52,401 53,513 54,387 55,261 56,134 57,009 57,881 58,812 59,743 60,675 61,606 62,532 63,134 63,736 64,337 64,939 65,536 65,894 66,252 66,609 66,965

5,332 5,618 5,904 6,189 6,475 6,757 6,948 7,137 7,326 7,584 7,842 8,317 8,881 9,221 9,558 9,893 10,198 10,504 10,810 11,117 11,419 11,820 12,221 12,621 13,022 13,421 13,628 13,835 14,043 14,250 14,454 14,738 15,024 15,308 15,593 15,874 16,186 16,500 16,814 17,127 17,441 17,742 18,044 18,347 18,649 18,948 19,368 19,790 20,210 20,632

Age

Plan 3

Plan 1

Female 女 Plan 2 Plan 3 計劃二

計劃三

10,107 10,658 11,209 11,761 12,312 12,859 13,425 13,989 14,550 15,249 15,953 16,788 17,794 18,350 18,902 19,448 20,109 20,773 21,437 22,100 22,759 23,637 24,514 25,391 26,269 27,141 27,627 28,111 28,596 29,080 29,562 30,172 30,784 31,394 32,005 32,617 33,221 33,826 34,431 35,035 35,640 36,350 37,059 37,769 38,479 39,189 40,018 40,848 41,678 42,507

16,384 17,171 17,958 18,744 19,531 20,315 21,143 21,970 22,792 23,829 24,876 26,716 28,850 30,263 31,670 33,071 34,523 35,975 37,427 38,879 40,330 41,744 43,158 44,572 45,987 47,400 48,392 49,384 50,376 51,368 52,359 53,099 53,839 54,577 55,317 56,057 56,958 57,859 58,759 59,661 60,561 61,264 61,966 62,671 63,373 64,076 64,809 65,540 66,272 67,001