Personal Accident Cover (Demo)
Death and disability from an accident, with optional daily allowance and medical costs.
At a glance
Plain wording, not yet approved. A model wrote it from the standard wording. See the standard wording
- It pays if an accident causes death or a permanent disability. You can add a daily amount for days in hospital, and cover for medical bills after an accident. The premium is the total of one amount for each benefit you pick.
- The premium is worked out benefit by benefit, then added up. For death and disability, the rate is taken on the sum insured. For the daily allowance, it is taken on the daily amount x 60 days. For medical costs, it is taken on the medical limit you pick. Your age does not change the premium.
- There is no waiting period. Cover starts when the whole premium has been paid.
- It pays only for an injury that comes straight from the accident. An injury or illness you had before is a pre-existing condition and is not covered.
- A person can start this cover from 15 days old up to age 65. Someone older than 65 cannot start it.
- You do not need a BHYT card to buy this product.
Who can join
- A person can start this cover from 15 days old up to age 65. Someone older than 65 cannot start it.
- You do not need a BHYT card to buy this product.
- A child can be covered alone. A parent does not have to join.
- You cannot buy this product if you have a permanent disability of 50% or more. You also cannot buy it while you are being treated for an illness or injury.
- You buy it through a demo agent. The agent is made up for this demo.
Not for you if
- Not for you if you are older than 65. (demo-accident.age_entry)
- Not for you if you are younger than 15 days. (demo-accident.age_entry)
- Not for you if you need cover for serious illness, dental or maternity. (demo-accident.overview)
- Not for you if you have a permanent disability of 50% or more or you are under treatment for an illness or injury when you apply. (demo-accident.not_accepted)
Covers this if you need
- Covers accident. No waiting period. Accidental death pays 100% of the sum insured. Permanent disability pays a percentage of the sum insured from an injury table. (demo-accident.benefit_death_disability)
- Pays for part of hospital stay. Paid: a hospital stay after an accident (as an option you add). Not paid: a hospital stay for an illness. Optional daily allowance while in hospital after an accident, at VND 100,000, 150,000 or 200,000 a day, up to 60 days. (demo-accident.benefit_allowance)
- Pays for part of outpatient. Paid: outpatient treatment after an accident (as an option you add). Not paid: outpatient visits for an illness. Optional accident medical costs, inpatient and outpatient, up to VND 80 million. (demo-accident.benefit_medical)
What it covers
- It pays if an accident causes death or a permanent disability. You can add a daily amount for days in hospital, and cover for medical bills after an accident. The premium is the total of one amount for each benefit you pick.
- If an accident causes death, it pays 100% of the sum insured. If it causes a permanent disability, it pays part of the sum insured. A table of injuries sets how much.
- You can add a daily allowance. It pays VND 100,000, 150,000 or 200,000 for each day in hospital after an accident, for up to 60 days.
- You can add cover for medical bills after an accident, with or without a hospital stay. You pick the limit, up to VND 80 million.
Waiting periods
| Cover | Days | Wording |
|---|---|---|
| Accident | 0 | There is no waiting period. Cover starts when the whole premium has been paid. |
What it does not cover
- It pays only for an injury that comes straight from the accident. An injury or illness you had before is a pre-existing condition and is not covered.
- Exclusion: an injury from a fight is not paid, unless you were only defending yourself.
- Exclusion: an accident in professional sport or in any kind of race is not paid.
- Exclusion: an accident caused by alcohol or drugs is not paid. That includes driving with more alcohol than the law allows.
- Exclusion: harm caused by war, terrorism or riots is not paid.
Price
- The premium is worked out benefit by benefit, then added up. For death and disability, the rate is taken on the sum insured. For the daily allowance, it is taken on the daily amount x 60 days. For medical costs, it is taken on the medical limit you pick. Your age does not change the premium.
Per person per year. Data as of 2026-11-04.
Rates
| Benefit | Charged on | Rate |
|---|---|---|
| Death and disability | The sum insured | 0.11% |
| Daily allowance of VND 100,000, up to 60 days | VND 100,000 x 60 days = VND 6,000,000 | 0.65% |
| Daily allowance of VND 150,000, up to 60 days | VND 150,000 x 60 days = VND 9,000,000 | 0.52% |
| Daily allowance of VND 200,000, up to 60 days | VND 200,000 x 60 days = VND 12,000,000 | 0.46% |
| Medical limit from VND 0 to under VND 30,000,000 | The medical limit you pick | 0.8% |
| Medical limit from VND 30,000,000 to under VND 50,000,000 | The medical limit you pick | 0.66% |
| Medical limit from VND 50,000,000 to VND 80,000,000 | The medical limit you pick | 0.58% |
Price by choice
The premium is the death and disability line for the sum insured you pick, plus one line for each option you add. Each line is already rounded. The daily allowance line is the same for every sum insured.
| Benefit | Your choice | Charged on (VND) | Rate | Price (VND) |
|---|---|---|---|---|
| Death and disability | Sum insured VND 20,000,000 | 20,000,000 | 0.11% | 22,000 |
| Death and disability | Sum insured VND 50,000,000 | 50,000,000 | 0.11% | 55,000 |
| Death and disability | Sum insured VND 100,000,000 | 100,000,000 | 0.11% | 110,000 |
| Death and disability | Sum insured VND 200,000,000 | 200,000,000 | 0.11% | 220,000 |
| Death and disability | Sum insured VND 500,000,000 | 500,000,000 | 0.11% | 550,000 |
| Death and disability | Sum insured VND 1,000,000,000 | 1,000,000,000 | 0.11% | 1,100,000 |
| Daily allowance | VND 100,000 a day | 6,000,000 | 0.65% | 39,000 |
| Daily allowance | VND 150,000 a day | 9,000,000 | 0.52% | 47,000 |
| Daily allowance | VND 200,000 a day | 12,000,000 | 0.46% | 55,000 |
| Medical costs | Medical limit VND 15,000,000 | 15,000,000 | 0.8% | 120,000 |
| Medical costs | Medical limit VND 40,000,000 | 40,000,000 | 0.66% | 264,000 |
| Medical costs | Medical limit VND 65,000,000 | 65,000,000 | 0.58% | 377,000 |
For another medical limit, take the rate of its band in the rate table and charge it on the limit. Data as of 2026-11-04.
One worked example
Sum insured VND 20,000,000, daily allowance VND 100,000, medical limit VND 50,000,000.
| Benefit | Charged on (VND) | Rate | Price (VND) |
|---|---|---|---|
| Death and disability | 20,000,000 | 0.11% | 22,000 |
| Daily allowance | 6,000,000 | 0.65% | 39,000 |
| Medical costs | 50,000,000 | 0.58% | 290,000 |
| Total | 351,000 | ||
After you choose
- One policy lasts up to 12 months. The demo rules do not say whether you can renew it. Gap: not in the demo data
- This demo does not say how to buy this product. Gap: not in the demo data
- This demo does not say how to make a claim. Gap: not in the demo data
- This demo does not say whether you can renew the cover, or how. Gap: not in the demo data
- This demo does not say how to cancel, or what is paid back if you do. Gap: not in the demo data
- This demo does not say how the premium can be paid. Gap: not in the demo data
- This demo gives no phone number, address or email for this product. Gap: not in the demo data
Questions
Who can buy this?
Entry from 15 days old up to age 65.
What does it cover?
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.
What is not covered?
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.
How long before I am covered?
No waiting period. Cover starts once the premium is paid in full.
How much does it cost?
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.
Do I need anything before I join?
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.
Sources and freshness
- Sources
- Demo rules
- Data as of
- 2026-11-04
- Valid from
- 2026-01-01
How this was built
How this was built
- FHIR store
- Mapping layer
- Public read model
- This page
The API is the product. This site is one client of it.
Each fact
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.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:overview]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Entry from 15 days old up to age 65.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:age_entry]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
No state health insurance card is needed.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:card_required]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
A child can be insured on their own. No parent has to join.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:child_alone]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Not accepted: people with a permanent disability of 50% or more, or who are under treatment for an illness or injury when they apply.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:not_accepted]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
No waiting period. Cover starts once the premium is paid in full.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:wait_accident]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Accidental death pays 100% of the sum insured. Permanent disability pays a percentage of the sum insured from an injury table.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:benefit_death_disability]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Optional daily allowance while in hospital after an accident, at VND 100,000, 150,000 or 200,000 a day, up to 60 days.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:benefit_allowance]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Optional accident medical costs, inpatient and outpatient, up to VND 80 million.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:benefit_medical]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
One policy covers up to 12 months. The rules say nothing about renewal.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:cover_period]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data
Only an injury that is the first result of the accident counts. An earlier injury or illness does not.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:preexisting]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Not covered: fighting, unless only in self-defence.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:excl_fighting]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Not covered: professional sport and any racing.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:excl_sport]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Not covered: accidents caused by alcohol or drugs, including driving over the legal alcohol limit.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:excl_alcohol]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Not covered: war, terrorism and riots.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:excl_war]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
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.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:price_basis]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Sold through demo agents (fictional).
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:where_sold]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
How to buy: not published in this demo.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:how_to_buy]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data
How to claim: not published in this demo.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:how_to_claim]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data
Renewal: not published in this demo.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:renewal]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data
Cancellation: not published in this demo.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:cancellation]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data
Payment options: not published in this demo.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:payment]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data
Contact details: not published in this demo.
- FHIR record
- InsurancePlan/demo-accident
- Field
- extension[fact:contact]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data