Please tell more about Sunlife First Aid

[Butitor]

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Out of town pa man gud akong agent mao diri nalang sa ko mangutana. Matod sa website:

Sun Life Financial Philippines: Sun First Aid is an affordable hospital income plan

Dili man detalyado ang naa sa website ug sa akong panan-aw mura siya ug Health Insurance. Interesado man gud ko kay samtang ga save ta sa ato kaugmaon, dili sad nato igawagtang ang pag aping sa matang sa kahimtang sa atong panglawas.

Mao kini ang nakasulat sa product ug akong mga pangutana:
SUNLIFE: Sun First Aid

Individual insurance
Sun First Aid is an affordable hospital income plan that helps defray the cost of hospitalization. Its money back feature gives you the unique benefit of receiving cash whether you get hospitalized or not.
Hospitalization Benefits
Daily cash benefit for each day of hospital confinement

• Additional cash benefits if hospital confinement exceeds 30 days
• Additional cash benefits if confined in an intensive care unit
• Surgical cash benefits based on a benefit schedule
• Cash benefits paid directly to you

Protection Benefits

• Life insurance coverage
• Accident coverage
• Waiver of premiums in case of disability

Money Back Feature

• 50% or 75% return of all premiums paid at the end of ten years
  

1. Pila man initial amount na ako ibutang ani ug unsa sad ang payment terms/minimum amount per payment?
2. Ang cash benefit nagadepende ba sa imong premiums/plan gi avail? Pwede ba mo maka hatag example scenarions bahin ani?
3. Nakasulat 50% or 75% ra sa premiums ihatag after 10 years, dili ba ta lugi pananglitan ug wala ta nagkasakit? Nagkasakit o wala ihatag man siguro tanan or labaw na amount sa premiums?
4.If ing-ani, asa may maayo kung mag VUL nalang ko, naa pay protection at the same time gi invest pa ang kwarta?
5. Para sa mas knowledgeable ani, makahatag ba mo example ug "what's covered and what's not"/ Explanation of Benefits ani nga health insurance.
6. Unsa ni "kapareha o kalahi" sa HMO na inig ma hospitalized ipakita lang ang card dayon makita unsa benefits, walay nay hassle ug uban pa.


Nakita nako sa net 2011 pa man ni: http://honestly-speaking.blogspot.com/2011/02/sun-first-aid-plus.html
DAGHANG SALAMAT!!!

[ianina]

up ko ani TS interested sd ko sa sun.. kinsa imong agent?