Key Benefits

1

Cover for both illnesses and accidents

2

Full cover for surgery, organ transplant, home nursing, day care treatment, local ambulance service and domestic medical emergency evacuation

3

No limit on hospital services or the number of hospitalisation days1

1 No limit on the number of doctor's visits or the cost of each doctor's visit

4

No waiting period for special disease

5

Transparent, fast and fair claims procedure

Medicare - key benefit

Package offering

Plan M4 - Diamond

Insurance limit up to 1 billion VND

Oncology treatment limit up to 500 million VND 

Emergency dental treatment benefit up to 50 million VND 

Nursing at home benefit 

AIDS/HIV benefit 10% of annual overall limit/life-time

Plan M3 - Gold

Insurance limit up to 500 million VND 

Oncology treatment limit up to 250 million VND 

Emergency dental treatment benefit up to 20 million VND 

Nursing at home benefit

Plan M2 - Silver

Insurance limit up to 150 million VND 

Oncology treatment limit up to 100 million VND 

Nursing at home benefit

Plan M1 - Bronze

Insurance limit up to 120 million VND 

Oncology treatment limit up to 50 million VND 

Nursing at home benefit

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We have got your needs covered

Compare our plans in details, you'll definitely find something that suits you

Hospital Services

Plan M4 - Diamond Plan M3 - Gold Plan M2 - Silver Plan M1 - Bronze
Overall Annual Limit

Hospital Services

Plan M4 - Diamond Plan M3 - Gold Plan M2 - Silver Plan M1 - Bronze
Hospital Services Overall Annual Limit 1.000.000.000 500.000.000 250.000.000 120.000.000
All Hospital Service
including surgeon fee, operation room, surgical appliances, investigations, nursing and hospital charges, etc
Fully covered Fully covered Fully covered Fully covered
Room and Board – per day 4.000.000 2.500.000 1.500.000 1.000.000
Intensive Care Unit – per day 15.000.000 6.000.000 4.000.000 2.500.000
Companion Bed – per day
(accompanied dependent child below 18, max 10 days per year)
1.000.000 Not applicable Not applicable Not applicable
Oncology Treatment
Treatment given for cancer received as an In-patient or Day-patient at the Hospital
Maximum per policy year
Fully covered 250.000.000 100.000.000 50.000.000
Day Case Treatment
Admitted to a Hospital bed but does not stay overnight
Maximum per policy year
Fully covered 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 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 Fully covered
Pre and Post Hospitalisation Treatment
Outpatient expenses incurred within 30 days before admission and 90 days following hospital discharge
Maximum per hospitalisation
20.000.000 10.000.000 8.000.000 6.000.000
Emergency Ward Treatment
Services performed in a Hospital casualty ward or emergency room for a period of not more than 24 hours
Fully covered 15.000.000 10.000.000 6.000.000
Nursing at Home
Maximum 182 days per policy year
Fully covered 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
50.000.000 20.000.000 Not applicable Not applicable
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 Not applicable Not applicable Not applicable
Emergency Medical Evacuation/Repatriation Fully covered Fully covered Fully covered Fully covered
Repatriation of Mortal Remains Fully covered Fully covered Fully covered Fully covered
Medical/Legal information and assistance 24-hour access 24-hour access 24-hour access 24-hour access

Optional Coverage

Outpatient Services

O4 O3 O2 O1
Outpatient Services

Outpatient Services

O4 O3 O2 O1
Outpatient Annual Overall Limit 30.000.000 20.000.000 15.000.000 10.000.000
General Outpatient Services Fully covered Fully covered Fully covered Fully covered
Specialist Outpatient Services Fully covered Fully covered Fully covered Fully covered
Laboratory and x-ray Services (upon referral) Fully covered Fully covered Fully covered Fully covered
Prescribed Drugs (upon referral) Fully covered Fully covered Fully covered Fully covered
Chinese Herbalist, Bonesetter & Acupuncture
(Limit per visit, maximum 10 visits per policy year)
300.000 per visit limit 200.000 per visit limit 150.000 per visit limit 150.000 per visit limit
Physiotherapy and Chiropractor Treatment (upon referral) (Limit per visit, maximum 15 visits per policy year) 600.000 per visit limit 400.000 per visit limit 300.000 per visit limit 200.000 per visit limit
Dental Services2

Dental Services

O4 O3 O2 O1
Dental Overall Annual Limit 10.000.000 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 2.000.000
Basic Dental Services
(Extraction, amalgam fillings, x-rays, periodontal scaling)
Fully covered 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 Fully covered

2 Available when applying together with optional outpatient and subject to 20% co-payment

 

Eligibility criteria

  1. Insured persons:
    • Individuals
    • Families including wife/husband and children
  2. Age of Inception:
    • New members: from 15 days up to 64 years old
    • Renewal members: maximum 74 years old
  3. The minimum number of insureds:
    • Plan M1 and M2: 20 members
    • Plan M3 and M4: 2 members

 

Area of coverage

  • Vietnam

 

Important Note

  • The premium rates are effective from 15 Sep 2015 and are applicable to Occupation I and II and for standard risks
  • Reasonable and customary charges will apply to any benefits payment
  • 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