SOPHY by China Life: Innovative Critical Illness Protection for Today and Tomorrow

SOPHY provides comprehensive protection against: Cancers of all stages, Moderate to severe impairments or surgeries to the cardiovascular system, Moderate to severe impairments or surgeries to the neurological system, Angioplasty and other invasive treatments for coronary artery . The most unique aspect of SOPHY is its future-proof coverage. By focusing on body systems rather than specific conditions, you're protected against diseases that may emerge in the future.

In the event of death, SOPHY provides a lump sum payment of SGD 20,000 to your beneficiaries.

SOPHY offers five different plan levels, allowing you to choose the coverage that best fits your needs and budget: Plan 1: SGD 50,000, Plan 2: SGD 100,000, Plan 3: SGD 200,000, Plan 4: SGD 250,000, Plan 5: SGD 300,000

SOPHY is a yearly renewable plan, giving you the flexibility to adjust your coverage as your needs change. The plan is automatically renewed each year up to age 85, provided certain conditions are met.

SOPHY is available for individuals from 15 days old up to 65 years old at entry.

SOPHY covers cancers of all stages , providing full payout of your chosen sum insured upon diagnosis.

The plan covers moderate to severe impairments and surgeries related to the cardiovascular system . This broad coverage ensures you're protected against a wide range of heart-related conditions.

Similar to the cardiovascular coverage, SOPHY protects against moderate to severe impairments and surgeries related to the neurological system . This includes various brain and nervous system conditions.

SOPHY provides a 10% payout of your sum insured for these procedures , up to a maximum of SGD 25,000.

SOPHY is automatically renewed each year up to age 85, provided certain conditions are met. If you don't wish to renew, you must inform China Life in writing at least 30 days before the end of your policy term.

Premiums are not guaranteed and may be adjusted based on future claims experience . At each renewal, the premium will be based on the prevailing rates for your plan type and your attained age.

The maximum sum insured for life insured between entry age of 15 days to age 16 last birthday is capped at SGD 100,000. Each person can only have one SOPHY policy.

The CI benefit payable is subject to a per life limit of SGD 3,000,000, aggregated with other policies and riders issued by China Life on the same life insured.

As SOPHY is a pure protection plan, it has no cash value if the policy ends or is terminated prematurely.

Imagine you're diagnosed with a newly discovered type of cancer. With a traditional CI plan, you might worry if it's covered. With SOPHY, you can rest easy knowing that all cancers, regardless of type or when they were discovered, are covered.

If you develop a moderate to severe heart condition that requires surgery, SOPHY would provide a full payout of your chosen sum insured, helping you focus on recovery without financial stress.

If you suffer a stroke or other neurological impairment that significantly affects your daily life, SOPHY would provide financial support to help with your care and rehabilitation.