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Premium health insurance packages.
Liberty HealthCare
Improve your life quality, enjoy global medical examination and treatment with Liberty world class health insurance. Customers will experience American-standard health insurance service with premium benefits, simple procedures, and fast claim process.
Global coverage
Liberty HealthCare direct billing service overseas provides customers with medical examination and treatment benefits in Vietnam or abroad.
No limit on hospitalization services
All hospital services including surgeon fee, operation room, surgical appliances, investigations, nursing and hospital charges, etc
Fully covering specific expenses
Fully covering oncology treatment, local ambulance services, organ transplants, and nursing at home services.
No waiting period for special diseases
Waiting time restrictions do not apply to special illnesses.
Flexible choices and optional benefits
Flexible choices with inpatient, outpatient, dental and annual medical examination/ vaccination (included in outpatient benefit).
24/7 Customer Service
With Vietnam Hotline Toll free Onecall 24/7 1800 599 998 - Liberty Customer Service Center will support and guide customers at once
Package offering
Package offering
Plan H1 - Classic
Examination and treatments in Vietnam and overseas
Insurance limit up to 2.2 billion VND
Oncology treatment limit up to 2.2 billion VND
Organ transplant benefit
Annual checkup and vaccination benefit
Plan H2 - Executive
Examination and treatments in Vietnam and overseas
Insurance limit up to 6.6 billion VND
Oncology treatment limit up to 6.6 billion VND
Organ transplant benefit
Annual checkup and vaccination benefit
Emergency dental treatment limit up to 440 million VND
Plan H3 - Premier
Examination and treatments in Vietnam and overseas
Insurance limit up to 22 billion VND
Oncology treatment limit up to 22 billion VND
Organ transplant benefit
Annual checkup and vaccination benefit
Emergency dental treatment limit up to 1.1 billion VND
Psychiatric treatment limit up to 220 million VND
Our HealthCare products fit customers' premium health insurance needs
Compare our plans in detail, you’ll definitely find something that suits you
| HOSPITAL SERVICES | Classic (VNĐ) | Executive (VNĐ) | Premier (VNĐ) |
|---|---|---|---|
|
Hospital Services Overall Annual Limit |
2,200,000,000 |
6,600,000,000 |
22,000,000,000 |
|
All Hospital Services |
Fully covered |
Fully covered |
Fully covered |
|
Room and Board |
Standard Private Room up to 5,500,000 |
Standard Private Room up to 7,150,000 |
Standard Private Room |
|
Intensive Care Unit |
16,500,000 |
16,500,000 |
Fully covered |
|
Companion Bed |
2,200,000 |
3,960,000 |
Fully covered |
|
Oncology Treatment |
Fully covered |
Fully covered |
Fully covered |
|
Day Case Treatment |
110,000,000 |
Fully covered |
Fully covered |
|
Local Ambulance Services |
Fully covered |
Fully covered |
Fully covered |
|
Organ Transplant |
Fully covered |
Fully covered |
Fully covered |
|
Pre and Post Hospitalization Treatment |
33,000,000 |
44,000,000 |
110,000,000 |
|
Emergency Ward Treatment |
Fully covered |
Fully covered |
Fully covered |
|
Nursing at Home |
Fully covered |
Fully covered |
Fully covered |
|
Psychiatric Treatment |
Not application |
Not application |
220,000,000 |
|
Emergency Dental Treatment |
220,000,000 |
440,000,000 |
1,100,000,000 |
|
AIDS/HIV |
10% of Annual Overall Limit/lifetime |
10% of Annual Overall Limit/lifetime |
10% of Annual Overall Limit/lifetime |
| Emergency Medical Evacuation/Repatriation | Fully covered | Fully covered | Fully covered |
| Repatriation of Mortal Remains | Fully covered | Fully covered | Fully covered |
| Medical/Legal information and assistance | 24-hour access | 24-hour access | 24-hour access |
| Compassionate Visit | 1 Economy Class Return Ticket | 1 Economy Class Return Ticket | 1 Economy Class Return Ticket |
| Return of Minor Child | 1 Economy Class One Way Ticket | 1 Economy Class One Way Ticket | 1 Economy Class One Way Ticket |
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TALK TO OUR CONSULTANT NOWWe have got your needs covered
Compare our plans in detail, you’ll definitely find something that suits you
| OUTPATIENT SERVICES | Classic (VNĐ) | Executive (VNĐ) | Premier (VNĐ) |
|---|---|---|---|
|
Outpatient Annual Overall Limit |
110,000,000 |
110,000,000 |
Fully covered inclusive in the Basic Cover Overall Limit |
|
General Outpatient Services |
Fully covered |
Fully covered |
Fully covered |
|
Specialist Services |
Fully covered |
Fully covered |
Fully covered |
|
Laboratory and x-ray Services (Upon referral) |
Fully covered |
Fully covered |
Fully covered |
|
Prescribed Drugs (Upon referral) |
Fully covered |
Fully covered |
Fully covered |
|
Chinese Herbalist, Bonesetter & Acupuncture |
990,000 per visit limit |
990,000 per visit limit |
990,000 per visit limit |
|
Physiotherapy and Chiropractor Treatment (upon referral) |
1,320,000 per visit limit |
1,320,000 per visit limit |
1,320,000 per visit limit |
|
Hormone Replacement Therapy |
44,000,000 |
44,000,000 |
44,000,000 |
|
Annual Medical Examination / Vaccination / Work Permit Medical Check-up |
3,000,000 |
3,000,000 |
3,000,000 |
| DENTAL SERVICES | Classic (VNĐ) | Executive (VNĐ) | Premier (VNĐ) |
|---|---|---|---|
|
(*) Available when applying together with optional outpatient |
|||
|
Dental Overall Annual Limit |
33,000,000 |
33,000,000 |
33,000,000 |
|
Routine Oral Examination (including scaling & polishing) |
2,200,000 |
2,200,000 |
2,200,000 |
|
Basic Dental Services |
Fully covered |
Fully covered |
Fully covered |
|
Major Dental Services + After 9 months' insurance cover + After 12 months' insurance cover |
Fully covered |
Fully covered |
Fully covered |
| MATERNITY CARE | Classic (VNĐ) | Executive (VNĐ) | Premier (VNĐ) |
|---|---|---|---|
|
(*) Available when applying together with optional outpatient |
|||
|
Maternity Overall Annual Limit |
110,000,000 |
110,000,000 |
110,000,000 |
|
Pre-natal, postnatal services, cost of delivery including all hospital and professional fees and up to 30 days for new born baby care (Subject to 12 months waiting period) |
Fully covered |
Fully covered |
Fully covered |
|
Additional Limit for new born baby care due to medical reasons (within the limit of 30 days as above) |
44,000,000 |
44,000,000 |
44,000,000 |
Buy health insurance for you and your family
TALK TO OUR CONSULTANT NOWImportant Information
- Area of coverage
-
- Zone 1 (Z1): Worldwide subject to 44,000,000 VND deductibles for any Disability in USA and Canada
- Zone 2 (Z2): Vietnam, China, Thailand, Singapore, Taiwan, South Korea, Japan, Malaysia, Indonesia and Philippines
- Zone 3 (Z3): Worldwide
- Zone 4 (Z4): Worldwide excluding USA and Canada
- Eligibility Criteria
-
This insurance policy is only available to Vietnamese citizens and permanent residents in Vietnam, excluding citizens of countries under sanctions or embargoes by the United Nations, the United States of America, the European Union or the United Kingdom
Insured persons:
- Individuals
- Families including wife/husband and children
Age of inception:- New members: from 15 days up to 64 years old
- Renewal members: maximum 74 years old
- Important Note
-
- For complete details of plan benefits, conditions, limitations, and exclusions, please refer to the policy schedule, wording and endorsement (if any), copies of which will be provided upon request
Buy health insurance for you and your family
TALK TO OUR CONSULTANT NOWHealthCare Accordion FAQs product page 2023 EN
- 1. Why should I buy Liberty HealthCare insurance?
-
Liberty HealthCare premium health insurance is an effective financial solution to you and your family in the event of accident or illness requiring hospitalization and long-term treatment, especially critical illnesses. With the coverage up to VND 22 billion, Liberty HealthCare also provides superior benefits such as examination and treatment in Vietnam or abroad with no limit for the hospitalization services and number of days in hospital, overseas emergency medical assistance by Europ Assistance, transparent, fast and fair compensation procedure.
- 2. What benefits will I get when buying Liberty HealthCare?
-
Liberty HealthCare premium health insurance package includes 3 groups of insurance benefits:
- Hospital services benefits (basic)
- Outpatient services benefits (optional)
- Dental services benefits (optional) - 3. In case of treatment at hospital abroad, will I be covered for hospitalization fees?
-
Liberty HealthCare has global coverage; therefore, in the case of treatment at a hospital abroad, depending on the area of coverage and package selected by the customer*, Liberty Insurance will fully cover the hospitalization expenses up to 22 billion VND.
*Covered area includes zone 1, zone 2, zone 3, zone 4 - see the Important Notes section of this website. - 4. What are the benefits of the Liberty HealthCare hospital services benefits?
-
The hospital services plan of Liberty HealthCare with a maximum insurance limit of up to 22 billion include full coverage benefits such as:
- All hospital services
- Oncology treatment
- Local ambulance service and emergency ward treatment
- Organ transplant
- Nursing at home
- Emergency medical evacuation / repatriation of mortal remains
In addition, customers are also entitled to other benefits such as room and board per day, pre and post hospitalization treatment costs, emergency dental treatment, compassionate visit, etc. - 5. What are the optional benefits of Liberty HealthCare?
-
Liberty HealthCare offers optional benefits including outpatient treatment and dental care*, as below:
Outpatient benefits:
- Full coverage for general outpatient treatment,
- Full coverage for specialist services,
- Full coverage for Laboratory and x-ray Services (upon referral)
- Full coverage for prescribed drugs
- Chinese herbalist, bonesetter & acupuncture
- Physiotherapy and chiropractic
- Hormone replacement therapy
- Annual Medical Examination/Vaccination/Work Permit Medical Check-up
Dental benefits*:
- Routine Oral Examination
- Full coverage for basic dental services: extraction, amalgam fillings, x-rays, periodontal scaling
- Full coverage for removal of impacted, buried or unerupted teeth, root canal treatment, removal of solid odonomes, crown and bridges, dentures
*Available when applying together with optional outpatient - 6. What are the eligibility criteria for Liberty HealthCare?
-
To apply for Liberty HealthCare, customers have to meet the following criteria:
- The insured must be a Vietnamese citizen and a permanent resident of Vietnam
- The insured is an individual or a family including a legal spouse and children
- The Insured must be from 15 days old to 64 years old for new policy - 7. How long is the waiting period for Liberty premium health insurance?
-
The waiting period of Liberty HealthCare:
Inpatient treatment:
- HIV/AIDs: 5 years
- Psychiatric Treatment: 24 months
Maternity care: 1 year (pregnancy commences after 90 days from the enrolment date of this benefit of the Insured)
Dental care:
- Removal of impacted, buried or unerupted teeth, Root Canal Treatment, Removal of Solid Odonomes, Apicectomy: 09 months
- Crown and Bridges, Dentures: 12 months - 8. What is the premium for Liberty premium health insurance plan?
-
Liberty HealthCare premium starts from VND 8,422,000. For quotation and discount consultancy, please leave your contact information at this website and press the Request a call button, our team will contact you shortly, or immediately call the toll free hotline 1800 599 998.
- 9. What is the claim process for treatment inside Liberty's direct billing network?
-
Claim process for treatment inside Liberty's direct billing network include 2 steps:
Step 1: Prior to any of your treatment
Present your Liberty card, ID card/passport and credit card to the Medical Service Provider prior to any treatment (you will be asked to pay a deposit1 if you do not have any credit card)
Step 2: Payment of excess/non-covered expenses - 10. What is the claim process for treatment outside Liberty's direct billing network?
-
Claim process for treatment inside Liberty's direct billing network include 4 steps:
Step 1: Payment
Choose your preferred hospital or clinic for out-patient, dental or emergency in-patient treatment and pay for the expenses on your own account (for 24/7 emergency healthcare assistance by Europ Assistance please call (84) 28 3512 2324
Step 2: Notify Liberty about the insured eventNotify our Customer Service Center at Hotline 1800 599 998 or send email to Hotline@LibertyInsurance.com.vn about the insured event within 90 days of the first treatment date of the insured event or, in case of maternity, the date of delivery, unless otherwise agreed by the Company.
Unless there is a legitimate reason, failure to notify our Customer Service Center about the insured event or to submit the claim request within 90 days as mentioned above will result in a penalty calculated as a certain percentage of the total claim value as follows:
- After 91 days to 180 days: 10%
- After 181 days to 270 days: 20%
- After 271 days to 365 days: 30%
Step 3: Submit documentsSubmit a completed Claim Form together with all the required documents to Liberty. Read more information in the FAQs below to learn about the required documents for claim reimbursement.
- Option 1: Submit documents online via E-Claim Portal
- Option 2: Deliver documents to: Health Insurance Compensation Department, Liberty Insurance Company Limited. 18th Floor, Vincom Building, 45A Ly Tu Trong Street, District 1, Ho Chi Minh City
Liberty will settle your claim request within 7 working days after receiving the complete set of documents, and reimburse your claim within 5 - 7 working days of sending the reimbursement confirmation letter to you.
For important notes and required documents see https://www.libertyinsurance.com.vn/en/claim-treatment-outside-network
