Comprehensive Health Cover (Demo)

Hospital stays on every plan. Outpatient on plans C3, C4 and C5. Dental and maternity on plans C4 and C5. A flat price per plan.

The price of plan C5 may be out of date. It was last verified on 2026-02-01.

At a glance

Plain wording, not yet approved. A model wrote it from the standard wording. See the standard wording

It covers hospital stays and surgery on every plan. Plans C3, C4 and C5 add visits to a doctor without a hospital stay. Plans C4 and C5 add dental and maternity. Each plan has one premium for every age.
Each plan has one premium per person per year. Your age does not change the premium.
The waiting period for maternity is 270 days. Maternity costs in the first 270 days of cover are not paid.
A pre-existing condition is not covered. That is an illness or injury you already had, or had signs of, before cover started.
A person can start this cover from age 1 up to age 60. Someone older than 60 cannot start it.
You do not need a BHYT card to buy this product.

Who can join

A person can start this cover from age 1 up to age 60. Someone older than 60 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 buy it through a demo agent or the demo bank. Both are made up for this demo.

Not for you if

Not for you if you are older than 60. (demo-comprehensive.age_entry)
Not for you if you are younger than 1. (demo-comprehensive.age_entry)

Covers this if you need

Covers hospital stay on every plan. 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. (demo-comprehensive.benefit_hospital)
Covers outpatient on plans C3, C4 and C5 only. Outpatient visits and prescribed medicines on plans C3, C4 and C5. (demo-comprehensive.benefit_outpatient)
Covers dental on plans C4 and C5 only. Limit: VND 10,000,000. Dental treatment on plans C4 and C5, up to VND 10 million a year. (demo-comprehensive.benefit_dental)
Covers maternity on plans C4 and C5 only. Waiting period: 270 days. Maternity costs on plans C4 and C5, after the 270-day wait. (demo-comprehensive.benefit_maternity)
Pays for part of serious illness. Paid: the treatment costs of a serious illness. Not paid: a lump sum when a serious illness is diagnosed. 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. (demo-comprehensive.benefit_hospital)
Pays for part of accident. Paid: treatment costs after an accident. Not paid: a payment for death or permanent disability. 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. (demo-comprehensive.benefit_hospital)

What it covers

It covers hospital stays and surgery on every plan. Plans C3, C4 and C5 add visits to a doctor without a hospital stay. Plans C4 and C5 add dental and maternity. Each plan has one premium for every age.
Every plan pays for the hospital room and meals, surgery, intensive care and cancer treatment, for an illness or an accident. These are paid as hospital costs. There is no lump sum for a serious illness. Plans: C1, C2, C3, C4, C5
Plans C3, C4 and C5 also pay for visits to a doctor without a hospital stay, and for the medicines the doctor prescribes. Plans: C3, C4, C5
Plans C4 and C5 pay for dental treatment. The most they pay for it is VND 10 million a year. Plans: C4, C5
Plans C4 and C5 pay maternity costs, once the 270-day waiting period has passed. Plans: C4, C5
For a child aged 1 to under 10 there is a co-payment of 15%. The family pays 15% of each claim and the insurer pays the rest.
You pick one of five plans. The lowest sum insured per year is VND 50 million and the highest is VND 1 billion.
The longer waiting period applies only to a listed chronic condition or a listed special condition. This demo does not publish the list. Gap: not in the demo data

Benefits by plan

Plan	Sum insured (VND)	Hospital stay	Outpatient	Dental	Maternity
Comprehensive Health Cover C1	50,000,000	Yes	No	No	No
Comprehensive Health Cover C2	100,000,000	Yes	No	No	No
Comprehensive Health Cover C3	200,000,000	Yes	Yes	No	No
Comprehensive Health Cover C4	400,000,000	Yes	Yes	Yes	Yes
Comprehensive Health Cover C5	1,000,000,000	Yes	Yes	Yes	Yes

Plan

Sum insured (VND)

Hospital stay

Outpatient

Dental

Maternity

Comprehensive Health Cover C1

50,000,000

Yes

Comprehensive Health Cover C2

100,000,000

Yes

Comprehensive Health Cover C3

200,000,000

Yes

Comprehensive Health Cover C4

400,000,000

Yes

Comprehensive Health Cover C5

1,000,000,000

Yes

Plans C1 and C2 include the same benefits. The only differences between them are the sum insured and the price.

Plans C4 and C5 include the same benefits. The only differences between them are the sum insured and the price.

Waiting periods

Cover	Days	Wording
Illness	30	The waiting period for illness is 30 days. If an illness begins in the first 30 days of cover, the claim is not paid.
Chronic and special conditions	120	The waiting period for a listed chronic condition or a listed special condition is 120 days. If it begins in the first 120 days of cover, the claim is not paid.
Maternity	270	The waiting period for maternity is 270 days. Maternity costs in the first 270 days of cover are not paid.
Accident	0	There is no waiting period for an accident. Accidents are covered from the first day.

Cover

Days

Wording

Illness

The waiting period for illness is 30 days. If an illness begins in the first 30 days of cover, the claim is not paid.

Chronic and special conditions

120

The waiting period for a listed chronic condition or a listed special condition is 120 days. If it begins in the first 120 days of cover, the claim is not paid.

Maternity

270

The waiting period for maternity is 270 days. Maternity costs in the first 270 days of cover are not paid.

Accident

There is no waiting period for an accident. Accidents are covered from the first day.

What it does not cover

A pre-existing condition is not covered. That is an illness or injury you already had, or had signs of, before cover started.
Exclusion: treatment done to change how you look, such as cosmetic or beauty treatment, is not paid.
Exclusion: treatment that is still being tested, or is not proven to work, is not paid.
Exclusion: an injury the insured person causes on purpose is not paid.
Exclusion: harm caused by war, terrorism or riots is not paid.

Price

Each plan has one premium per person per year. Your age does not change the premium.

Per person per year.

Comprehensive Health Cover C1

Sum insured: VND 50,000,000

VND 1,900,000

Data as of 2026-11-04
Comprehensive Health Cover C2

Sum insured: VND 100,000,000

VND 3,400,000

Data as of 2026-11-04
Comprehensive Health Cover C3

Sum insured: VND 200,000,000

VND 6,100,000

Data as of 2026-11-04
Comprehensive Health Cover C4

Sum insured: VND 400,000,000

VND 10,500,000

Data as of 2026-11-04
Comprehensive Health Cover C5

Sum insured: VND 1,000,000,000

VND 21,000,000

May be out of date. Last verified on 2026-02-01

After you choose

This demo does not say how long one policy lasts. 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 age 1 up to age 60.

What does it cover?

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. The rules refer to a list of chronic and special conditions. The list is not published in this demo.

What is not covered?

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.

How long before I am covered?

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.

How much does it cost?

Five plans, from VND 50 million to VND 1 billion a year. A flat price per plan per year. Age does not change the price. (The price of plan C5 may be out of date. It was last verified on 2026-02-01.)

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.

Sources and freshness

Sources: Demo rules
Data as of: 2026-11-04
Valid from: 2026-01-01

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

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.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:overview]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Entry from age 1 up to age 60.

FHIR record
InsurancePlan/demo-comprehensive

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-comprehensive

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-comprehensive

Field
extension[fact:child_alone]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Children aged 1 to under 10 pay 15% of each claim themselves.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:child_copay]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
General illness: 30 days from the start of cover.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:wait_illness]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Listed chronic and special conditions: 120 days from the start of cover.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:wait_chronic]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Maternity: 270 days from the start of cover.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:wait_maternity]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Accident: no waiting period.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:wait_accident]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
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.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:benefit_hospital]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Outpatient visits and prescribed medicines on plans C3, C4 and C5.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:benefit_outpatient]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Dental treatment on plans C4 and C5, up to VND 10 million a year.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:benefit_dental]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Maternity costs on plans C4 and C5, after the 270-day wait.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:benefit_maternity]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Not covered: a condition you had, or had symptoms of, before cover started.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:preexisting]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Not covered: cosmetic or beauty treatment.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:excl_cosmetic]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Not covered: experimental treatment and treatment that is not proven.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:excl_experimental]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Not covered: injury the insured person causes on purpose.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:excl_self_harm]

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-comprehensive

Field
extension[fact:excl_war]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Five plans, from VND 50 million to VND 1 billion a year.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:sum_insured_levels]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
The rules refer to a list of chronic and special conditions. The list is not published in this demo.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:chronic_list]

Source
Demo rules

As of
2026-11-04

Review status
Gap: not in the demo data
A flat price per plan per year. Age does not change the price.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:price_basis]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Sold through demo agents and the demo bank channel (fictional).

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:where_sold]

Source
Demo rules

As of
2026-11-04

Review status
Checked against the demo rules
Cover duration: not published in this demo.

FHIR record
InsurancePlan/demo-comprehensive

Field
extension[fact:cover_period]

Source
Demo rules

As of
2026-11-04

Review status
Gap: not in the demo data
How to buy: not published in this demo.

FHIR record
InsurancePlan/demo-comprehensive

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-comprehensive

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-comprehensive

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-comprehensive

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-comprehensive

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-comprehensive

Field
extension[fact:contact]

Source
Demo rules

As of
2026-11-04

Review status
Gap: not in the demo data