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Liberty FamilyCare
Flexible choices of insurance benefits. No limit on number of hospitialization days. Maternity benefit offered for individual and family.
Coverage limit up to VND 1.5B
Annual check-up, vaccination, dental benefits
Customer support available 24/7
Full coverage for day case treatment
Reimbursement for pre and postnatal services under Maternity benefit
Direct billing at +120 hospitals nationally
Insurance Benefit
| Hospitalisation Services | F1 (VND) | F3 (VND) | F5 (VND) |
|---|---|---|---|
| OVERALL ANNUAL LIMIT | 150,000,000 | 500,000,000 | 1,500,000,000 |
| Hospital Services - per policy year | |||
| - Surgeon's fee | 25,000,000 | 100,000,000 | Fully covered |
| - Anesthetist's fee | 10,000,000 | 50,000,000 | Fully covered |
| - Other hospital charges | Fully covered | Fully covered | Fully covered |
| Hospital Services - per day | |||
| - Room & Board (Standard Private Room) | 1,000,000 | 3,000,000 | 5,000,000 |
| - Intensive Care Unit | 3,000,000 | 9,000,000 | 15,000,000 |
| - Companion Bed (accompany a dependent child below the age of 18) - Maximum 10 days per policy year |
Not applicable | Not applicable | 2,000,000 |
| Oncology Treatment - Treatment given for cancer received as an In-patient or Day-patient at the Hospital - Maximum per policy year |
50,000,000 | 250,000,000 | Fully covered |
| Day Case Treatment - Admitted to a hospital bed but does not stay overnight, including outpatient surgery |
Fully covered | Fully covered | Fully covered |
| Local Ambulance Services - The medically necessary road ambulance transportation services to and from a local Hospital |
Fully covered | Fully covered | Fully covered |
| Organ transplant - In respect of kidney, heart, liver and bone marrow transplants - Maximum per Sickness or Injury |
Not applicable | Not applicable | Fully covered |
| Pre and Post Hospitalisation Treatment | |||
| - Outpatient expenses incurred before admission & following discharge - Max per policy year |
6,000,000 | 10,000,000 | 30,000,000 |
| - Pre-hospitalisation Treatment (per policy year) - Maximum consecutive 30 days prior to hospital admission |
3,000,000 | 5,000,000 | 15,000,000 |
| - Post-hospitalisation Treatment (per policy year) - Maximum consecutive 90 days from the day of discharge |
3,000,000 | 5,000,000 | 15,000,000 |
| Emergency Ward Treatment - Services performed in a Hospital casualty ward or emergency room for a period of not more than 24 hours |
5,000,000 | 15,000,000 | Fully covered |
| Nursing at Home - Maximum 182 days per policy year |
6,000,000 | 10,000,000 | Fully covered |
| Emergency Dental Treatment - Immediately following an accident and the teeth repaired must have been sound and natural - Maximum per policy year |
Not applicable | Not applicable | 100,000,000 |
| Public Hospital Cash - per day - Applicable to all inpatient treatments in public hospitals in Vietnam - Maximum 30 days per policy year |
100,000 | 300,000 | 1,000,000 |
| Emergency Medical Evacuation/Repatriation | Not applicable | Not applicable | Fully covered |
| Repatriation of Mortal Remains | Not applicable | Not applicable | Fully covered |
| Final Tribute Cost | 500,000 | 2,000,000 | 5,000,000 |
| Medical/Legal information and assistance | 24/7 | 24/7 | 24/7 |
Optional Coverage
| Optional Coverage | O1 (VND) | O3 (VND) | O5 (VND) |
|---|---|---|---|
| ANNUAL OVERALL LIMIT | 10,000,000 | 20,000,000 | 100,000,000 |
| General Outpatient Services | Fully covered | Fully covered | Fully covered |
| Specialist Outpatient Services - Limit per visit |
1,000,000 | 3,000,000 | Fully covered |
| Laboratory and x-ray Services - Upon referral |
1,000,000 | 3,000,000 | Fully covered |
| Prescribed Drugs - Upon referral |
Fully covered | Fully covered | Fully covered |
| Chinese Herbalist, Bonesetter & Acupuncture - Limit per visit - Maximum 10 visits per policy year |
250,000 | 450,000 | 1,250,000 |
| Physiotherapy and Chiropractor Treatment - Upon referral - Limit per visit - Maximum 15 visits per policy year |
250,000 | 450,000 | 1,250,000 |
| Annual Medical Examination/Work Permit Medical Check-up - Maximum per policy year |
Not applicable | Not applicable | 2,000,000 |
| Annual Vaccination - Maximum per policy year |
500,000 | 500,000 | 1,000,000 |
| Optical Care Eye check-up (Once per year, maximum per policy year) and a pair of glasses or contact lenses (per policy year) |
Not applicable | Not applicable | 2,000,000 |
| Dental Services | O1 (VND) | O3 (VND) | O5 (VND) |
|---|---|---|---|
| * Available when applying together with optional outpatient and subject to 20% co-payment | |||
| ANNUAL OVERALL LIMIT | 10,000,000 | 10,000,000 | 10,000,000 |
| Routine Oral Examination - Including scaling & polishing - Once per year - Maximum per policy year |
2,000,000 | 2,000,000 | 2,000,000 |
| Basic Dental Services - Extraction, amalgam fillings, x-rays, periodontal scaling |
Fully covered | Fully covered | Fully covered |
| Major Dental Services - Removal of impacted, buried or unerupted teeth, Root Canal Treatment, Removal of Solid Odonomes, Apicectomy |
Fully covered | Fully covered | Fully covered |
| Maternity Care | O1 (VND) | O3 (VND) | O5 (VND) |
|---|---|---|---|
| * Available when applying together with hospitalisation service | |||
| ANNUAL OVERALL LIMIT | 50,000,000 | 50,000,000 | 50,000,000 |
|
Pre-natal, postnatal services, cost of delivery including all hospital and professional fees arose due to miscarriage, pregnancy complications, medically required abortion and up to 30 days for new-born baby care (subject to 12 months waiting period(1) and payout scheme as following) |
Fully covered | Fully covered | Fully covered |
| First year overall annual limit (from the first effective date of Maternity benefit) | 0 | 0 | 0 |
| Second year overall annual limit (from the first effective date of Maternity benefit) | 25,000,000 | 25,000,000 | 25,000,000 |
| Third year and thereafter overall annual limit (from the first effective date of Maternity benefit | 50,000,000 | 50,000,000 | 50,000,000 |
(1) The waiting period for the Maternity benefit is 12 consecutive months starting from the first effective date of the Maternity benefit of Insured. Under any circumstances, the conception date of the Insured as confirmed by Obstetrician/Gynecologist shall be after the period of 12 consecutive months from the first effective date of the Insured’s Maternity benefit
FAQs about Liberty FamilyCare
- Liberty FamilyCare eligibility criteria
-
Insured person:
- Individual
- Family: including legally spouse and childrenAge of inception:
- New members: from 18 to 49 years old (F1, F2) or 64 (F3, F4, F5)
- Renewal members (adult): up to 74 years old
- Children: from 15 days old up to 18 years old, extended to 23 years old if still in continuous full-time educationExclusion terms: Please read the details at Liberty FamilyCare Policy Wording.
- Why should I choose Liberty FamilyCare?
-
Liberty FamilyCare is a comprehensive insurance product, with advanced benefits and flexible premium.
Selling Points of Liberty FamilyCare:
- No limit on hospitalization services
- Coverage for general and specialist outpatient treatment services, Prescribed Drugs, etc.
- Coverage for annual checkup, vaccination, dental and optical care
- Maternity benefit (optional) offered for Individual/Family - Is my cover active right away or do I have a waiting period?
-
Waiting period means the period of consecutive days when the benefits are not payable.
Liberty FamilyCare waiting period:
- 30 days: for all treatments (except due to accident)
- 365 days from the effective date to the first symptom onset: for costs of treating cancer, musculoskeletal disease and cardiovascular disorders
- 90 days from the Effective day to the first symptom onset: applies to all types of CancersPlease read the details at Liberty FamilyCare Policy Wording.
- My spouse and I plan to have a baby, should we buy Liberty FamilyCare?
-
Of course. Maternity insurance benefits will help lessen financial pressure for new parents, during pregnancy and childbirth.
Liberty FamilyCare offers maternity benefit for:
- Pre-natal and postnatal services
- Cost of delivery
- All hospital and professional fees arose due to miscarriage, pregnancy complications, medically required abortion
- Cost of new-born baby care upto 30 daysPlease be noted that the pregnancy’s conception date shall be after twelve (12) consecutive months from the first effective date of Maternity benefits.
Therefore, customers should buy Liberty FamilyCare with Maternity benefits at least 12 months before pregnancy's conception date to get the reimbursement for this benefit.
Please read the details at Liberty Familicare Policy Wording.
- Do I need a general health check-up before purchasing Liberty FamilyCare?
-
Most customers do not need a general medical examination before purchasing Family Health Insurance.
However, Liberty will require an health check-up if the insured person meets one of the following criteria:
1. 50 years old and over
2. Have pre-existing condition
3. BMI of 31 or higher - Which hospitals can I go to?
-
When buying Liberty FamilyCare, customers can enjoy direct billing services at Vinmec, Viet Phap, Thu Cuc, Hanh Phuc, FV, Mekong, .. and +120 affiliated hospitals nationwide.
Besides, customers might get the medical treatments at any legal hospitals/clinics in Vietnam and ASEAN countries (except Singapore).
See more at Hospital List.
