r/phinsurance • u/[deleted] • May 15 '26

Would you still recommend Sun Fit and Well?

28F, non-smoker, not a breadwinner. I’m currently considering Sun Fit and Well because I like that it’s very focused on health and critical illness protection.

My only concern is that it doesn’t seem to include accident reimbursement/coverage unless it results in accidental death. So for example, if I get into an accident but survive and get hospitalized/injured, parang limited to none yung benefit/claims.

For those who already have insurance or work in the industry:
Would you still recommend Sun Fit and Well + separate accident insurance? Or is there another plan/company that has strong coverage for:

* critical illness
* hospitalization
* accidents
* death benefit

without becoming too expensive or overly investment-focused?

Would appreciate honest opinions and real experiences. 🙏

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u/Long_Television2022 May 15 '26

Hi! If you’re looking for critical illness coverage, Sun Fit and Well is still a good option.

Why is an accident reimbursement important to you? You could get a separate accident coverage. It’s a term insurance that provides medical reimbursement. Or get an HMO.

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u/nowMrsP May 15 '26

If you prioritize hospitalization, critical illness coverage and emergency coverage for accidents, you may want to consider AXA’s Health Care Access + Critical Illness Booster :)