Guide for advisors
All the rules, product by product. Each line comes from the product's own page.
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.
Comprehensive Health Cover (Demo)
- Entry from age 1 up to age 60.
- No state health insurance card is needed.
- A child can be insured on their own. No parent has to join.
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.
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.
Comprehensive Health Cover (Demo)
- Hospital room and board, surgery, intensive care and cancer treatment costs, for an illness or an accident, on all plans. Treatment costs are paid as hospital costs. There is no lump sum for serious illness.
- Outpatient visits and prescribed medicines on plans C3, C4 and C5.
- Dental treatment on plans C4 and C5, up to VND 10 million a year.
- Maternity costs on plans C4 and C5, after the 270-day wait.
Hospital Cover (Demo)
Limits
Comprehensive Health Cover (Demo)
- Children aged 1 to under 10 pay 15% of each claim themselves.
- Five plans, from VND 50 million to VND 1 billion a year.
- The rules refer to a list of chronic and special conditions. The list is not published in this demo. Gap: not in the demo data
Hospital Cover (Demo)
Waiting periods
Personal Accident Cover (Demo)
Comprehensive Health Cover (Demo)
- General illness: 30 days from the start of cover.
- Listed chronic and special conditions: 120 days from the start of cover.
- Maternity: 270 days from the start of cover.
- Accident: no waiting period.
Hospital Cover (Demo)
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.
Comprehensive Health Cover (Demo)
- Not covered: a condition you had, or had symptoms of, before cover started.
- Not covered: cosmetic or beauty treatment.
- Not covered: experimental treatment and treatment that is not proven.
- Not covered: injury the insured person causes on purpose.
- Not covered: war, terrorism and riots.