Liberty Medicare
Comprehensive medical insurance solution to groups, families and individuals. Full coverage for surgeon fee, hospital service, day case treatment. Flexible choices of insurance benefits. Reasonable premium that fits customers' need.
Coverage limit up to VND 1B
Full coverage for hospital service, surgeon fee
Transparent, fast and fair claim procedure
Room and Board limit up to VND 4mil per day
No waiting period for special diseases
Free support 24/7 from hotline 1900 599 998
Insurance Benefit
HOSPITAL SERVICES | M2 | M3 | M4 |
---|---|---|---|
OVERALL ANNUAL LIMIT | |||
Hospital Services Overall Annual Limit | 250,000,000 | 500,000,000 | 1,000,000,000 |
All Hospital Service Including surgeon fee, operation room, surgical appliances, investigations, nursing and hospital charges, etc |
Fully covered | Fully covered | Fully covered |
Room and Board Per day |
1,500,000 | 2,500,000 | 4,000,000 |
Intensive Care Unit Per day |
4,000,000 | 6,000,000 | 15,000,000 |
Companion Bed Per day Accompanied dependent child below 18, max 10 days per year |
Not applicable | Not applicable | 1,000,000 |
Oncology Treatment Treatment given for cancer received as an In-patient or Day-patient at the Hospital Maximum per policy year |
100,000,000 | 250,000,000 | Fully covered |
Day Case Treatment Admitted to a Hospital bed but does not stay overnight Maximum per policy year |
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 narrow transplants Maximum per Sickness or Injury |
Fully covered | Fully covered | Fully covered |
Pre and Post Hospitalisation Treatment Outpatient expenses incurred within 30 days before admission and 90 days following hospital discharge Maximum per hospitalisation |
8,000,000 | 10,000,000 | 20,000,000 |
Emergency Ward Treatment Services performed in a Hospital casualty ward or emergency room for a period of not more than 24 hours |
10,000,000 | 15,000,000 | Fully covered |
Nursing at Home Maximum 182 days per policy year |
Fully covered | Fully covered | 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 | 20,000,000 | 50,000,000 |
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 |
Not applicable | Not applicable | 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 | 24/7 | 24/7 | 24/7 |
Optional Coverage
OUTPATIENT SERVICES | O2 | O3 | O4 |
---|---|---|---|
Outpatient Annual Overall Limit | 15,000,000 | 20,000,000 | 30,000,000 |
General Outpatient Services | Fully covered | Fully covered | Fully covered |
Specialist Outpatient 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 Limit per visit Maximum 10 visits per policy year |
150,000/visit limit | 200,000/visit limit | 300,000/visit limit |
Physiotherapy and Chiropractor Treatment Upon referral Limit per visit Maximum 15 visits per policy year |
300,000/visit limit | 400,000/visit limit | 600,000/visit limit |
DENTAL SERVICES | O2 | O3 | O4 |
---|---|---|---|
(*) Available when applying together with optional outpatient and subject to 20% co-payment |
|||
Dental Overall Annual 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 |
Frequently Asked Questions
- How long is the waiting period for Liberty MediCare?
-
Waiting period means the period of consecutive days when the benefits are not payable.
Liberty Medicare waiting period:
- 30 days: for all treatments (except due to accident)
- 365 days from the first inception date: for all treatments relating to ligaments including reconstruction of ligaments, meniscus tears, all types of cancers, diseases and disorders of musculoskeletal and joints; cardiovascular diseases and disorders
Please read the details at Liberty MediCare Policy Wording
- Do I need an entrance medical check-up before buying Liberty MediCare?
-
Most customers do not need an entrance medical check-up before buying Liberty FamilyCare.
However, Liberty will require a medical check-up for insured members:
- From 50 years old and over
- Have pre-existing condition(s)
- BMI of 31 or higher
- Why should I choose Liberty Medicare?
-
Liberty MediCare is a comprehensive insurance product, with advanced benefits and flexible premium. Liberty Medicare provides members with:
- Full coverage for surgeon fee
- No waiting period for special diseases
- No limit on hospitalisation services and number of hospitalisation days
- Coverage for general and specialist outpatient treatment services, Prescribed Drugs, etc.
- Liberty Medicare Eligibility Criteria
-
Insured person must be Vietnamese citizens and permanent residents in Vietnam.
Insured persons:
- Individual
- Family: including legally spouse and children
Age limit at inception:
- New members: from 18 to 54 years old (individual policy) or 64 (family policy except M1, M2)
- Renewal members (adult): up tp 74 years old
- Children: from 15 days old up to 18 years old, extended to 23 years old if still in continuous full-time education"
Minimum number of insured people for group policy:
- Plan M1 and M2: 20 members
- Plan M3 and M4: 2 members