No limit on hospitalization days
No limit on the number of doctor's visits
Free annual medical check-up

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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.

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No limit on hospitalization services or the number of hospitalization days

Broad direct billing network in Vietnam and overseas

Free annual medical check-up, vaccination, optical care

No waiting period for special diseases

Coverage for pre - existing conditions after 1 year waiting period

24/7 Customer Service Center

Package offering

Plan H1

Coverage up to 2.4 billion VND

No limit on the number of doctor's visit

No limit on the number of hospitalization days

Coverage for pre-exisiting conditions after 01 year waiting period

Room and board up to 5.5 million VND per day

Coverage for oncology treatment up to 2.4 billion VND

Plan H2

Coverage up to 6.6 billion VND

No limit on the number of doctor's visit

No limit on the number of hospitalization days

Coverage for pre-exisiting conditions after 01 year waiting period

Room and board up to 7.15 million VND per day

Coverage for oncology treatment up to 6.6 billion VND

Coverage for emergency pregnancy complication due to accidents up to 440 million VND

Plan H3

Coverage up to 24 billion VND

No limit on the number of doctor's visit

No limit on the number of hospitalization days

Coverage for pre-exisiting conditions after 01 year waiting period

Room and board fully covered

Coverage for oncology treatment up to 24 billion VND

Coverage for emergency pregnancy complication due to accidents up to 1.1 billion VND

Coverage for emergency out of coverage area up to 1.1 billion VND

Basic Cover

HOSPITAL SERVICES	H1 (VND)	H2 (VND)	H3 (VND)
ANNUAL OVERALL LIMIT PER POLICY	2,400,000,000	6,600,000,000	24,000,000,000
SUBLIMITS
All Hospital Services Including surgeon fee, operation room, surgical appliance, investigations, nursing and hospital charges, etc	Fully covered	Fully covered	Fully covered
Room and Board Per day	Standard Private Room up to 5,500,000	Standard Private Room up to 7,150,000	Standard Private Room
Intensive Care Unit Per day	16,500,000	16,500,000	Fully covered
Companion Bed Per day Accompanied dependent child below 18, maximum 10 days/year	2,400,000	3,600,000	Fully covered
Oncology Treatment Treatment given for cancer received as an In-patient or Day-patient at the Hospital Maximum per policy year	Fully covered	Fully covered	Fully covered
Day Case Treatment Admitted to a Hospital bed but does not stay overnight Maximum per policy year	110,000,000	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	Fully covered	Fully covered	Fully covered
Pre and Post Hospitalization Treatment Outpatient expenses incurred within 30 days before admission & 90 days following hospital discharge Maximum per hospitalization	33,000,000	44,000,000	110,000,000
Emergency Ward Treatment Services performed in a Hospital casualty ward or emergency room for a period of not more than 24 hours	Fully covered	Fully covered	Fully covered
Nursing at Home Maximum 182 days per policy year	Fully covered	Fully covered	Fully covered
Psychiatric Treatment For a maximum of 30 days hospitalization per policy year after 24 months cover Maximum per policy year	Not application	Not application	220,000,000
Emergency Dental Treatment Immediately following an accident and the teeth repaired must have been sound and natural Maximum per policy year	220,000,000	440,000,000	1,100,000,000
AIDS/HIV Occurring during the Period of Insurance of this Policy, including the subsequent renewal year(s) and manifests itself after five years of continuous coverage under the Policy from the first Effective Date	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
Pre - existing disease Subject to 01 year waiting period Maximum per policy year	20,000,000	25,000,000	45,000,000
Dependent Living support due to accidental death Subject to 01 year waiting period	24,000,000	66,000,000	220,000,000
Dependent Living support due to cancer death Subject to 01 year waiting period	12,000,000	33,000,000	110,000,000
Emergency pregnancy Complication due to accidents Maximum per policy year	220,000,000	440,000,000	1,100,000,000
Emergency out of Coverage area Within first 24 hours from the insurable event Max 30 aggregated days per policy year	220,000,000	440,000,000	1,100,000,000

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OPTIONAL COVER

OUTPATIENT SERVICES _{() Available when applying together with Hospitalization Plan}*	H1 / H2 / H3 (VND)	H3 (VND)
ANNUAL OVERALL LIMIT PER POLICY YEAR	110,000,000	24,000,000,000 (Fully covered inclusive in the Basic Cover Overall Limit)
SUBLIMITS
General Outpatient Services	Fully covered	Fully covered
Specialist Outpatient Services	Fully covered	Fully covered
Laboratory and x-ray Services (Upon referral)	Fully covered	Fully covered
Prescribed Drugs (Upon referral)	Fully covered	Fully covered
Chinese Herbalist, Bonesetter & Acupuncture Limit per visit, maximum 10 visits per policy year	990,000 per visit limit	990,000 per visit limit
Physiotherapy and Chiropractor Treatment (upon referral) Limit per visit, maximum 15 visits per policy year	1,320,000 per visit limit	1,320,000 per visit limit
Hormone Replacement Therapy Maximum per policy year	44,000,000	44,000,000
Annual Medical Examination / Vaccination / Work Permit Medical Check-up Maximum per policy year	3,600,000	5,000,000

DENTAL SERVICES _{(*) Available when applying together with optional outpatient}	H1 (VND)	H2 (VND)	H3 (VND)
ANNUAL OVERALL LIMIT PER POLICY YEAR	33,000,000	33,000,000	33,000,000
SUBLIMITS
Routine Oral Examination (including scaling & polishing) Once per year, maximum per policy year	2,200,000	2,200,000	2,200,000
Basic Dental Services Extraction, amalgam fillings, x-rays, periodontal scaling	Fully covered	Fully covered	Fully covered
Major Dental Services + After 9 months' insurance cover Removal of impacted, buried or unerupted teeth, Root Canal Treatment, Removal of Solid Odonomes, Apicectomy + After 12 months' insurance cover Crown and Bridges, Dentures	Fully covered	Fully covered	Fully covered

MATERNITY CARE _{() Available when applying together with Hospitalization Plan}*	H1 (VND)	H2 (VND)	H3 (VND)
MATERNITY OVERALL ANNUAL LIMIT	110,000,000	110,000,000	110,000,000
SUBLIMITS
Pre-natal, postnatal services, cost of delivery, all hospital and professional fees arising from miscarriage, medically required abortion or complications of pregnancy including 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

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IMPORTANT INFORMATION

(*) Insurance policies issued during the transition period
Insurance policies issued during the transition period shall be subject to the terms and conditions specified in the quotation and/or renewal notice/renewal quotation/insurance policy.

Area of coverage

Zone 1 (Z1): Worldwide subject to VND 48,000,000 deductible for any Sickness/Disease/Injury in USA and Canada
Zone 2 (Z2): Vietnam, China, Thailand, Taiwan, South Korea, Japan, Malaysia, Indonesia and Philippines
Zone 3 (Z3): Worldwide
Zone 4 (Z4): Worldwide excluding USA and Canada

Outpatient deductible

Standard Outpatient deductible is VND690,000 per Visit

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

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Frequently Asked Questions

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 24 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 24 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 24 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 event

Notify 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 documents

Submit 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

Step 4: Reimbursement
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