Key Benefits

1

Property insurance

2

Money insurance

3

Public and product liability insurance

4

Business interruption insurance

5

Personal accident insurance

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We have got your needs covered

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

Insurance packages designed specifically for each type of business include: 

  1. HotelCare 
  2. F&BCare (Restaurant and catering) 
  3. OfficeCare 
  4. ShopCare 
  5. ClinicCare 

 

The product has a rich and comprehensive coverage and comes with many preeminent benefits such as: 

  1. Support for rent payable or lost due to loss of business location. 
  2. Senior management death due to fire or theft (up to 100 million/person, maximum two people) 
  3. Expenses for fire fighting 
  4. Site cleaning costs 
  5. Cost of copying record

 

SECTION 1. MATERIAL DAMAGE (REQUIRED) 

Loss or damage to the insured property (Building; Property inside; Materials, goods in business; Loss of rent; Current property) due to: 

  • On fire 
  • Lightning strike 
  • Explode 
  • Thunderstorms 
  • Flood 
  • Water leakage from automatic fire extinguishing system 
  • Cars or animals collide 
  • The plane crashed 
  • Strikes, riots, earthquakes 
  • Acts of malice, theft 

 

SECTION 2. MONEY INSURANCE (VOLUNTARY) 

Loss of money in the possession of the Insured or under the liability of the Insured in a sudden, unforeseen way due to a peril not excluded, arising: 

  • At the Covered Site during business hours; or in a locked drawer, safe or locked cash room outside of business hours; 
  • While being transported by car within the territory of Vietnam 

 

SECTION 3. PUBLIC LIABILITY INSURANCE and PRODUCT LIABILITY INSURANCE (VOLUNTARY) 

The Insurer shall pay to the Insured or on behalf of the Insured all sums for which the Insured is legally liable in respect of: 

  • Personal Injury to third parties 
  • Property Damage to third parties 

arising during the Insured Period due to an Incident relating to the Insured's Business. 

 

SECTION 4. BUSINESS INTERPRETATION INSURANCE (VOLUNTARY) 

  • Coverage for loss of revenue (income) and additional operating expenses of the Insured when business is interrupted or affected by the loss or damage covered in Section 1 
  • Maximum indemnity period: 6, 9, or 12 months depending on the Insured's choice 
  • Annual turnover is the basis for calculating the insurance amount for all maximum indemnity periods under or equal to 12 months 
  • Comes with many other additional insurance benefits 

 

SECTION 5. HUMAN ACCIDENT INSURANCE (VOLUNTARY) 

Compensation for Accidental Injury of the Insured Person occurring within the Geographical Scope and Term of Insurance with the following benefits: 

  • Death and permanent disability: 
  • In the event of death or Total Permanent Disability (from 81% or more): pay the full amount of the Primary Insurance for each employee 
  • In the event of Permanent Partial Injury: Compensation According to the Rate of Compensation 
  • Medical expenses due to accident 

  ClinicCare F&BCare HotelCare OfficeCare ShopCare1
Part 1: Assets
  ClinicCare F&BCare HotelCare OfficeCare ShopCare1
Assets 0.090% 0.13% 0.10% 0.08% 0.013%
Special Expansion: portable property       Vietnam: 2% Worldwide: 3%
Part 2: Money
  ClinicCare F&BCare HotelCare OfficeCare ShopCare1
At the insurance location (on the insurance policy) 0.60% 0.80% 0.60% 0.50% 0.80%
On the way to transport (on STBH)
(Total insurance premium for both parts)
1.200% 1.500% 1.200% 1.000% 1.500%
Part 3: Responsibility2
  ClinicCare F&BCare HotelCare OfficeCare ShopCare1
Public Liability (fee applies to 1 coverage location) 0.050% 0.075% 0.075% 0.100% 0.100%
2-3 locations Fee reduction 5% Fee reduction 5% Fee reduction 5% Fee reduction 5% Fee reduction 5%
4-5 locations Fee reduction 10% Fee reduction 10% Fee reduction 10% Fee reduction 10% Fee reduction 10%
From more than 6 locations Fee reduction 15% Fee reduction 15% Fee reduction 15% Fee reduction 15% Fee reduction 15%
Part 4: Business Disruption (Optional)
  ClinicCare F&BCare HotelCare OfficeCare ShopCare1
Compensation period 12 months 100% the cost of property portion 100% the cost of property portion 100% the cost of property portion 100% the cost of property portion 100% the cost of property portion
Compensation period 9 months 85% the cost of property portion 85% the cost of property portion 85% the cost of property portion 85% the cost of property portion 85% the cost of property portion
Compensation period 6 months 75% the cost of property portion 75% the cost of property portion 75% the cost of property portion 75% the cost of property portion 75% the cost of property portion

1 Business of highly flammable goods is subject to a separate assessment

2 No product liability coverage for SopCare, OfficeCare and ClinicCare product package

  Group 1 Group 2 Group 3 Group 4
Part 5: Personal accident (Voluntary)
  Group 1 Group 2 Group 3 Group 4
a) Death, and total and permanent disablement3 0.1155% 0.1370% 0.1500% Global coverage
b) Medical costs Insurance fees Insurance fees Insurance fees Fee insurance increase extra 5%
1.600.000 40.000 47.100 53.800 Fee insurance increase extra 5%
3.200.000 53.800 60.500 67.200 Fee insurance increase extra 5%
4.800.000 67.200 73.900 80.700 Fee insurance increase extra 5%
8.000.000 107.500 141.200 174.800 Fee insurance increase extra 5%
16.000.000 168.000 221.800 282.300 Fee insurance increase extra 5%
32.000.000 242.000 309.200 384.438 Fee insurance increase extra 5%

Customers can only choose 1 liability limit per group

Groups 1, 2, 3 are classified according to the type of occupation of the insured