Cover for medical expenses on COVID-19 treatment

• 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

1. 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
2. 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
3. Children: 
   • Maximum 17 years old
4. Adults:
   • Below 70 years old:
     • Covid-19 treatment expenses including emergency evacuation and repatriation: fully covered subject to fully vaccinated (2 doses) on the issuance date. No coverage of covid-19 and related expenses if the Insured has not fully vaccinated yet (2 doses) on the issuance date.
     • Non-covid-19 medical treatment expenses: fully covered.
     • PA/Liabilities/Inconveniences/Losses/Extensions: covered up to sub-limit, no-copayment/deductible.
   • From 70 years old up to 80 years old:
     • The evacuation and repatriation will NOT be covered because our benefit is not applied for people from 70 years old and above.
     • The medical expenses/PA/Liabilities/Inconveniences/Losses/Extensions will be covered subject to: The Insured Person(s) fully Covid-19 vaccinated (02 doses) on the issuance date and has not infected Covid1-19 before the inception date of the Policy; and The 50% co-payment will be applied for all medical expenses.
     • This Policy will not cover for any expenses if the Overseas Trip or the activities carried out during the Overseas Trip are undertaken against medical advice of Your Doctor in Vietnam.

5. The unvaccinated child(ren) will be covered when traveling with fully Covid-19 vaccinated relatives/father/mother on the issuance date.

Maximum 80 years old

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

• 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

1. Any pre-existing condition or excluded illness
2. Intentional self-injury, suicide or attempted suicide or insanity
3. 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
4. The use of alcohol or drugs not prescribed by a medical practitioner
5. HIV (Human Immunodeficiency Virus) or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative or variations or their complications
6. Sexually transmitted diseases
7. Contraception, miscarriage, childbirth, pregnancy, abortion or their complications
8. Any expenses in respect of treatment or operation undertaken as a preventive measure, e.g. vaccination, circumcision, inoculation and the like
9. Dental treatment (except necessitated by an accidental injury to sound and natural teeth)

1. Emergency Assistance
   Please call +84 28 7300 2312 for immediate assistance by APRIL Assistance. Emergency medical evacuation and repatriation will also be organized by APRIL Assistance. Covered expenses will be paid directly to APRIL Assistance by Liberty, subject to the policy terms and conditions.
2. 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.