Guide for newcomers

Rules that decide first

• No BHYT card: Hospital Cover (Demo) cannot be bought. Everyone insured must hold a Vietnamese state health insurance (BHYT) card.
• A child under 6: Hospital Cover (Demo) only together with a parent. A child under 6 must join together with a parent who is on the same or a higher plan.

What it is

Personal Accident Cover (Demo)

• Pays if an accident causes death or permanent disability. You can add a daily allowance while in hospital and accident medical costs. The price adds up one amount per benefit you pick: a rate times the amount that benefit is charged on.

Comprehensive Health Cover (Demo)

• Wide health cover: hospital stays and surgery on every plan, outpatient visits on plans C3, C4 and C5, and dental and maternity on plans C4 and C5. A flat price per plan, whatever your age.

Hospital Cover (Demo)

• Pays for hospital stays, surgery and intensive care, and a one-off lump sum if you are diagnosed with a listed serious illness. Everyone insured needs a Vietnamese state health insurance card.

Who can join

Check this first. If you do not meet a rule here you cannot buy the product, whatever it covers.

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.

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.
• 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.

Waiting periods

A waiting period is the time after cover starts when a claim of that kind is not paid. If you expect treatment soon, a long waiting period means the product will not pay for it.

Personal Accident Cover (Demo)

• No waiting period. Cover starts once the premium is paid in full.

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)

• Illness: 30 days from the start of cover.
• Listed serious illness: 90 days from the start of cover.
• Accident: no waiting period.

What it does not cover

Read this before you look at the price. A product does not pay for anything listed here.

Personal Accident Cover (Demo)

• Only an injury that is the first result of the accident counts. An earlier injury or illness does not.

Comprehensive Health Cover (Demo)

• Not covered: a condition you had, or had symptoms of, before cover started.

Hospital Cover (Demo)

• Not covered: a condition you had, or had symptoms of, before cover started.

Price

Read the price together with the sum insured, which is the most a plan pays in a year. A lower price often comes with a lower sum insured.

Personal Accident Cover (Demo)

• Premium per person per year is the total of one amount per benefit chosen: the rate times the amount that benefit is charged on. Death and disability is charged on the sum insured. Daily allowance is charged on the daily amount x 60 days. Medical cost is charged on the medical limit you pick. Each amount is rounded to the nearest VND 1,000. Age does not change the price. Death and disability is always included.

Comprehensive Health Cover (Demo)

• A flat price per plan per year. Age does not change the price.

Hospital Cover (Demo)

• Price depends on the plan and on age. Five age bands, from 0 to 5 up to 51 to 60.