TravelCare

Key Benefits

1

Overseas and local medical treatment expenses for illnesses and accidental bodily injuries

2

Trip cancellation or postponement

3

Loss of or damage to baggage or personal effects

4

Loss of money or travel documents

5

Loss of or damage to the household contents in Vietnam residence due to fire

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Maximum Coverage (Unit: 1.000 VND)	Classic		Executive		Premier
Maximum Coverage (Unit: 1.000 VND)	Individual	Family	Individual	Family	Individual	Family

Personal Accident

Maximum Coverage (Unit: 1.000 VND)	Classic		Executive		Premier
Maximum Coverage (Unit: 1.000 VND)	Individual	Family	Individual	Family	Individual	Family
Accidental death or permanent disablement As per the Contingency Percentage attached to the policy wording	Adult – 1.000.000 Child – 500.000	Adult – 1.000.000 Child – 500.000	Adult – 2.000.000 Child – 1.000.000	Adult – 2.000.000 Child – 1.000.000	Adult – 3.000.000 Child – 1.500.000	Adult – 3.000.000 Child – 1.500.000

Medical Expenses

Maximum Coverage (Unit: 1.000 VND)	Classic		Executive		Premier
Maximum Coverage (Unit: 1.000 VND)	Individual	Family	Individual	Family	Individual	Family
Overseas medical expenses Medical and hospital expenses incurred while abroad as a result of illness or injury	1.000.000	1.700.000	1.600.000	2.400.000	2.400.000	3.600.000
Medical expenses incurred upon return to Vietnam Follow-up treatment within 31 days from return date (following discharge from overseas hospital)	100.000	200.000	200.000	400.000	300.000	600.000
Overseas hospital visit Transportation cost of one relative or friend if the Insured is hospitalised for more than 5 days while overseas	60.000	60.000	90.000	90.000	120.000	120.000
Additional accommodation expenses Hotel accommodation incurred by one relative or friend if the Insured is hospitalised for more than 5 days while overseas Aggregate limit Daily limit	20.000 5.000	20.000 5.000	24.000 6.000	24.000 6.000	40.000 10.000	40.000 10.000
Overseas compassionate visit Transportation cost of one relative or friend to assist in the preparation of the mortal remains	40.000	40.000	60.000	60.000	100.000	100.000
Child guard Cost of returning unattended children to their home country or country of residence	60.000	60.000	80.000	80.000	120.000	120.000
Hospital income benefit (overseas) Daily cash benefit of 1.000.000 VND while hospitalised overseas	16.000	16.000	20.000	20.000	50.000	50.000
Hospital income benefit (Vietnam) Daily cash benefit of 500.000 VND while hospitalised in Vietnam immediately upon return	5.000	5.000	6.000	6.000	10.000	10.000
Medical expenses for pregnancy related sickness As incurred	24.000	24.000	30.000	30.000	60.000	60.000
24-hour medical assistance On referral or arrangement basis	International SOS hotline	International SOS hotline	International SOS hotline	International SOS hotline	International SOS hotline	International SOS hotline
Emergency telephone expenses Telephone charges as a result of medical emergency	1.000	1.000	1.000	1.000	1.000	1.000

Medical Evacuation

Maximum Coverage (Unit: 1.000 VND)	Classic		Executive		Premier
Maximum Coverage (Unit: 1.000 VND)	Individual	Family	Individual	Family	Individual	Family
Emergency medical evacuation All expenses for emergency medical evacuation coordinated by International SOS (Vietnam) hotline (848) 38247 123	As incurred	As incurred	As incurred	As incurred	As incurred	As incurred
Repatriation of mortal remains Transportation of mortal remains or cremation or burial at place of death	As incurred	As incurred	As incurred	As incurred	As incurred	As incurred

Liability

Maximum Coverage (Unit: 1.000 VND)	Classic		Executive		Premier
Maximum Coverage (Unit: 1.000 VND)	Individual	Family	Individual	Family	Individual	Family
Personal liability Protection against third party claims for bodily injury or property damage caused by Insured's negligence while overseas	1.000.000	1.000.000	1.500.000	1.500.000	2.000.000	2.000.000

Inconveniences

Maximum Coverage (Unit: 1.000 VND)	Classic		Executive		Premier
Maximum Coverage (Unit: 1.000 VND)	Individual	Family	Individual	Family	Individual	Family
Trip cancellation/postponement Reimbursement of the non-refundable portion of travel costs paid in advance or administrative charges incurred due to unforeseen circumstances	50.000	80.000	80.000	120.000	120.000	160.000
Trip curtailment A pro-rated amount will be paid for each complete day of the planned trip lost due to unforeseen circumstances	50.000	80.000	80.000	120.000	120.000	160.000
Trip disruption A pro-rated amount will be paid for each complete day of the planned trip lost if the Insured is hospitalised overseas for more than 5 days	30.000	40.000	40.000	60.000	60.000	100.000
Travel/Flight misconnection For each 6 full consecutive hours of delay due to flight misconnection while overseas	3.000	3.000	3.000	3.000	3.000	3.000
Travel delay Maximum 2.400.000 VND for each full 6 consecutive hours your scheduled transport is delayed while overseas	12.000	12.000	12.000	12.000	12.000	12.000
Travel overbooking Allowance for accommodation, meal and travel expenses if the Insured is unable to board the scheduled flight due to overbooking	1.600	3.200	2.000	4.000	10.000	20.000
Emergency purchases Funds for purchase of essential personal items if the Insured's baggage is stolen or permanently lost	2.000	5.000	2.400	6.000	6.000	10.000
Baggage delay Pays up to 2.400.000 VND for every 6 consecutive hours that the Insured's baggage is delayed while overseas	6.000	6.000	10.000	10.000	16.000	16.000
24-hour travel assistance On referral or arrangement basis	International SOS hotline	International SOS hotline	International SOS hotline	International SOS hotline	International SOS hotline	International SOS hotline

Losses

Maximum Coverage (Unit: 1.000 VND)	Classic		Executive		Premier
Maximum Coverage (Unit: 1.000 VND)	Individual	Family	Individual	Family	Individual	Family
Loss of personal money Loss of money due to robbery, burglary, theft or natural disasters while overseas	2.000	5.000	3.000	6.000	6.000	12.000
Loss of travel documents Pays for the cost of obtaining replacement travel documents lost as well as additional travel and hotel accommodation expenses incurred while overseas	24.000	24.000	24.000	24.000	24.000	24.000
Loss of or damage to baggage & personal effects Up to 5.000.000 VND for each item or set or pair of items and up to 20.000.000 VND for a laptop computer	30.000	30.000	40.000	40.000	60.000	60.000
Rental vehicle excess cover Covers for any excess or deductible which the Insured may be required to pay for accidental loss or damage to their rental vehicle	10.000	10.000	12.000	12.000	24.000	24.000
Closure of travel agent Pays for loss of travel related expenses paid in advance as a result of financial collapse or default of the travel agent in Vietnam	30.000	40.000	50.000	60.000	70.000	80.000
Home guard Covers for loss or damage to the household contents in the Vietnam residence due to fire when left vacant during the trip	20.000	20.000	30.000	30.000	60.000	60.000

Extensions

Maximum Coverage (Unit: 1.000 VND)	Classic		Executive		Premier
Maximum Coverage (Unit: 1.000 VND)	Individual	Family	Individual	Family	Individual	Family
Hijack benefit Pays an allowance if the aircraft in which the Insured is travelling is hijacked for at least 12 consecutive hours Aggregate limit Limit per 12-hour period	20.000 1.300	20.000 1.300	24.000 2.000	24.000 2.000	30.000 2.600	30.000 2.600
Automatic extension If the trip is delayed because the Insured is sick or has an accident or because the scheduled flight is delayed, the insurance policy will be automatically extended for the period of such delay	7 days	7 days	7 days	7 days	7 days	7 days
Disruption/Withdrawal of hotel services Pays 1.500.000 VND for each 24-hour period in the event of disruption or withdrawal of hotel services as a result of strike or riot at the travel destination	3.000	3.000	3.000	3.000	3.000	3.000

Important Information

Travel Regions

ASEAN: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore and Thailand
Asia Pacific: ASEAN, China, Hongkong, Taiwan, Korea, Japan, India, Sri Lanka, Pakistan, Australia and New Zealand
Worldwide: All countries except those under sanctions or embargoes by the United Nations, the United States of America, the European Union, and the United Kingdom

Eligibility Criteria

Definition of Family:
- Up to 2 adults and any number of the children departing from and returning to Vietnam at the same time
- The child(ren) must be related to either of the insured adults
For Annual policies:
- Up to 2 adults who are legal spouses and any number of children
- The child(ren) must be accompanied by either of the insured adults in any trip during the Period of Insurance
Children:
- Maximum 17 years old

Age limit at inception

Maximum 75 years old

Citizenship

This policy is only available to Vietnamese citizens and permanent residents of Vietnam.

Length of trip

For single trip travel insurance policies, the length of a trip shall not exceed 186 days
For annual travel insurance policies, there is no limit on the number of trips during the Period of Insurance. However, the length of a trip shall not exceed 90 days

Major Exclusions

Any pre-existing condition or excluded illness
Intentional self-injury, suicide or attempted suicide or insanity
Any professional sport, racing and competitions of any kind, rock or mountain climbing involving the use of ropes or equipment, hang gliding, skydiving or parachuting
The use of alcohol or drugs not prescribed by a medical practitioner
HIV (Human Immunodeficiency Virus) or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative or variations or their complications
Sexually transmitted diseases
Contraception, miscarriage, childbirth, pregnancy, abortion or their complications
Any expenses in respect of treatment or operation undertaken as a preventive measure, e.g. vaccination, circumcision, inoculation and the like
Dental treatment (except necessitated by an accidental injury to sound and natural teeth)

Need Help

Emergency Assistance
Please call (848) 38 247 123 for immediate assistance by International SOS (ISOS). Emergency medical evacuation and repatriation will also be organised by ISOS. Covered expenses will be paid directly to ISOS by Liberty, subject to the policy terms and conditions.
Claims procedure
All claims notification/documents must be sent to Liberty within 30 days after the occurrence of any event which may give rise to a claim. Please call our 24/7 Customer Service Center One-Call 1800 599 998 for further assistance.