Sun Medicare – Emergency Medical Rider
Fast, Hassle-Free Health Protection When You Need It Most
Life doesn’t warn you before an emergency. That’s why Sun Medicare by Sun Nepal Life Insurance is designed to protect you quickly, smartly and without paperwork.
Unlike traditional health insurance, Sun Medicare doesn’t ask for hospital bills or medical invoices. Instead, we offer a fixed payout based on the number of days you're hospitalized. It's predictable, transparent and stress-free exactly what you need during a medical crisis.
What Is Sun Medicare?
Sun Medicare is an add-on (rider) health benefit plan that provides daily financial support during emergency hospitalizations. Whether surgical or non-surgical, it covers 15 life-threatening conditions commonly faced by Nepalese citizens.
Key Benefits of Sun Medicare
- Covers 15 Emergency Conditions : Including heart attack, stroke, kidney failure, fractures, and more
- No Hospital Bills Needed : Claim amount is based purely on duration of hospital stay, not expense reports.
- Quick Payouts : Get paid faster with simplified claim processing.
- Surgical & Non-Surgical Coverage : Different payout models based on case type.
- Low Premium, High Peace of Mind : Add it to your life insurance plan for as low as NPR 1,393/year
- Supports 99% of emergency health cases seen in Nepalese hospitals
Payout Structure
- •Surgical Cases : 25% of Sum Assured for the first 2 days and 10% of Sum Assured for Remaining 5 days
- •Non-Surgical Cases:10% of Sum Assured for 10 days
Why Sun Medicare Is Right for You
- •You're self-employed or uninsured
- • Your health plan doesn’t cover emergencies properly
- • You live in rural or semi-urban areas with cash-based hospitals
- • You want simple, paperless, reliable protection in times of crisis
Example: For a Sum Assured of NPR 1,00,000, a 4-day non-surgical hospital stay gives you NPR 40,000 (no receipts required). Note: Remaining Amount will be used in next emergency case within a year.
Total Insurance Products
Explore our comprehensive range of insurance solutions designed to protect you and your loved ones.
Sun Medicare – Emergency Medical Rider
Fast, Hassle-Free Health Protection When You Need It Most Life doesn’t warn you before an emergency. That’s why Sun Medicare by Sun Nepal Life Insurance is built to protect you quickly, smartly and without paperwork. Unlike traditional health insurance, Sun Medicare doesn’t ask for hospital bills or medical invoices. Instead, we offer a fixed payout based on the number of days you're hospitalized. It's predictable, transparent, and stress-free — exactly what you need during a medical crisis.
Sunlife Endowment Assurance Life Insurance
Secure Your Future with Savings and Protection The SunLife Endowment Assurance Plan is designed for individuals who seek a perfect blend of disciplined savings and life insurance protection. This simple yet powerful plan ensures that your family's financial future remains secure — while helping you build a fund for life’s important milestones. Under this plan, you commit to saving over a specific policy term. In return, you are guaranteed: A lump sum payout upon maturity if you survive the policy term Full Sum Assured plus declared bonuses to your family in case of an unfortunate demise during the policy period Additionally, by choosing optional riders, you can strengthen your protection with accidental death benefits and premium waivers in case of total disability.
Golden Child Endowment Assurance Policy (Sunaulo Bal Samriddha Jeevan Beema)
A Smart Way to Secure Your Child’s Future with Guaranteed Returns and Life Coverage The Golden Child Endowment Assurance Policy is a specially designed life insurance plan by Sun Nepal Life Insurance that helps parents build a secure financial future for their children. Combining long-term savings and life protection, this policy ensures that your child’s life goals — whether education, marriage, or career — are financially supported, even in your absence.