Personal Accident Cover (Demo) and Hospital Cover (Demo)
Who can join
Personal Accident Cover (Demo)
- Entry from 15 days old up to age 65.
- No state health insurance card is needed.
- A child can be insured on their own. No parent has to join.
- Not accepted: people with a permanent disability of 50% or more, or who are under treatment for an illness or injury when they apply.
- Sold through demo agents (fictional).
Hospital Cover (Demo)
- Entry from 15 days old up to age 60.
- Age is counted at your last birthday before cover starts.
Sources differ
Demo filing summary says: Age is counted at your next birthday.
- Everyone insured must hold a Vietnamese state health insurance (BHYT) card.
- A child under 6 must join together with a parent who is on the same or a higher plan.
- Sold through the demo bank channel (fictional).
What it covers
Personal Accident Cover (Demo)
- Accidental death pays 100% of the sum insured. Permanent disability pays a percentage of the sum insured from an injury table.
- Optional daily allowance while in hospital after an accident, at VND 100,000, 150,000 or 200,000 a day, up to 60 days.
- Optional accident medical costs, inpatient and outpatient, up to VND 80 million.
Hospital Cover (Demo)
- Hospital room and board, surgery, intensive care and doctor fees, for an illness or an accident, up to the plan's sum insured each year.
- A one-off lump sum of 50% of the sum insured when a listed serious illness is first diagnosed. Paid once.
- Six sum insured levels, from VND 30 million to VND 1.2 billion.
- The rules refer to a list of serious illnesses. The list is not published in this demo. Gap: not in the demo data
Waiting periods
What it does not cover
Personal Accident Cover (Demo)
- Only an injury that is the first result of the accident counts. An earlier injury or illness does not.
- Not covered: fighting, unless only in self-defence.
- Not covered: professional sport and any racing.
- Not covered: accidents caused by alcohol or drugs, including driving over the legal alcohol limit.
- Not covered: war, terrorism and riots.