Hospital Cover (Demo)
Hospital stays, surgery and serious illness lump sum. Needs a state health insurance card.
At a glance
Plain wording, not yet approved. A model wrote it from the standard wording. See the standard wording
- It pays your hospital bills: the stay, surgery and intensive care. It also pays a lump sum once if a doctor finds a listed serious illness. Each person covered needs a BHYT card.
- The premium depends on the plan you pick and on your age. Ages are grouped in five bands, and each band has its own premium.
- The waiting period for a listed serious illness is 90 days. If it begins in the first 90 days of cover, the claim is 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 15 days old up to age 60. Someone older than 60 cannot start it.
- Every person covered must have a BHYT card, the card of Vietnam's state health insurance. Without one you cannot buy this product.
Who can join
- A person can start this cover from 15 days old up to age 60. Someone older than 60 cannot start it.
- Your age here is your age at last birthday on the day cover starts.
Sources differ
Demo filing summary says: Age is counted at your next birthday.
- Every person covered must have a BHYT card, the card of Vietnam's state health insurance. Without one you cannot buy this product.
- A child under 6 cannot join alone. A parent must join too, on the same plan or a higher one.
- You buy it through the demo bank. The bank is made up for this demo.
Not for you if
- Not for you if you are older than 60. (demo-hospital.age_entry)
- Not for you if you are younger than 15 days. (demo-hospital.age_entry)
- Not for you if you do not hold a state health insurance (BHYT) card. (demo-hospital.card_required)
- Not for you if you need cover for outpatient, dental or maternity. (demo-hospital.overview)
- Not for a child under 6 on their own. A parent must join too. (demo-hospital.child_with_parent)
Covers this if you need
- Covers hospital stay. 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. (demo-hospital.benefit_hospital)
- Covers serious illness. Waiting period: 90 days. A one-off lump sum of 50% of the sum insured when a listed serious illness is first diagnosed. Paid once. (demo-hospital.benefit_serious_illness)
- 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 doctor fees, for an illness or an accident, up to the plan's sum insured each year. (demo-hospital.benefit_hospital)
What it covers
- It pays your hospital bills: the stay, surgery and intensive care. It also pays a lump sum once if a doctor finds a listed serious illness. Each person covered needs a BHYT card.
- It pays for the hospital room and meals, surgery, intensive care and doctor fees, for an illness or an accident. In one year it pays no more than your plan's sum insured.
- If a doctor finds a listed serious illness for the first time, you get a lump sum of 50% of the sum insured. It is paid one time only.
- You pick one of six levels of sum insured. The lowest is VND 30 million and the highest is VND 1.2 billion.
- Only a listed serious illness counts for the lump sum. This demo does not publish the list. Gap: not in the demo data
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. |
| Serious illness | 90 | The waiting period for a listed serious illness is 90 days. If it begins in the first 90 days of cover, the claim is not paid. |
| Accident | 0 | 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: harm caused by war, terrorism or riots is not paid.
Price
- The premium depends on the plan you pick and on your age. Ages are grouped in five bands, and each band has its own premium.
Per person per year. Data as of 2026-11-04.
Hospital Cover H1
Sum insured: VND 30,000,000
| Age | Price (VND) |
|---|---|
| 0 to 5 | 250,000 |
| 6 to 17 | 180,000 |
| 18 to 35 | 200,000 |
| 36 to 50 | 310,000 |
| 51 to 60 | 470,000 |
Hospital Cover H2
Sum insured: VND 60,000,000
| Age | Price (VND) |
|---|---|
| 0 to 5 | 425,000 |
| 6 to 17 | 306,000 |
| 18 to 35 | 340,000 |
| 36 to 50 | 527,000 |
| 51 to 60 | 799,000 |
Hospital Cover H3
Sum insured: VND 150,000,000
| Age | Price (VND) |
|---|---|
| 0 to 5 | 850,000 |
| 6 to 17 | 612,000 |
| 18 to 35 | 680,000 |
| 36 to 50 | 1,054,000 |
| 51 to 60 | 1,598,000 |
Hospital Cover H4
Sum insured: VND 300,000,000
| Age | Price (VND) |
|---|---|
| 0 to 5 | 1,450,000 |
| 6 to 17 | 1,044,000 |
| 18 to 35 | 1,160,000 |
| 36 to 50 | 1,798,000 |
| 51 to 60 | 2,726,000 |
Hospital Cover H5
Sum insured: VND 600,000,000
| Age | Price (VND) |
|---|---|
| 0 to 5 | 2,375,000 |
| 6 to 17 | 1,710,000 |
| 18 to 35 | 1,900,000 |
| 36 to 50 | 2,945,000 |
| 51 to 60 | 4,465,000 |
Hospital Cover H6
Sum insured: VND 1,200,000,000
| Age | Price (VND) |
|---|---|
| 0 to 5 | 3,750,000 |
| 6 to 17 | 2,700,000 |
| 18 to 35 | 3,000,000 |
| 36 to 50 | 4,650,000 |
| 51 to 60 | 7,050,000 |
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 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.)
What does it cover?
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. The rules refer to a list of serious illnesses. 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: war, terrorism and riots.
How long before I am covered?
Illness: 30 days from the start of cover. Listed serious illness: 90 days from the start of cover. Accident: no waiting period.
How much does it cost?
Six sum insured levels, from VND 30 million to VND 1.2 billion. Price depends on the plan and on age. Five age bands, from 0 to 5 up to 51 to 60.
Do I need anything before I join?
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.
Sources and freshness
- Sources
- Demo rules
- Data as of
- 2026-11-04
- Valid from
- 2026-01-01
- Age is counted at your last birthday before cover starts.
Sources differ
Demo filing summary says: Age is counted at your next birthday.
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 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.
- FHIR record
- InsurancePlan/demo-hospital
- 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 60.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:age_entry]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Age is counted at your last birthday before cover starts.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:age_basis]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Sources differ
Everyone insured must hold a Vietnamese state health insurance (BHYT) card.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:card_required]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
A child under 6 must join together with a parent who is on the same or a higher plan.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:child_with_parent]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Illness: 30 days from the start of cover.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:wait_illness]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Listed serious illness: 90 days from the start of cover.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:wait_serious_illness]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Accident: no waiting period.
- FHIR record
- InsurancePlan/demo-hospital
- 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 doctor fees, for an illness or an accident, up to the plan's sum insured each year.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:benefit_hospital]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
A one-off lump sum of 50% of the sum insured when a listed serious illness is first diagnosed. Paid once.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:benefit_serious_illness]
- 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-hospital
- 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-hospital
- Field
- extension[fact:excl_cosmetic]
- 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-hospital
- Field
- extension[fact:excl_war]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Six sum insured levels, from VND 30 million to VND 1.2 billion.
- FHIR record
- InsurancePlan/demo-hospital
- 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 serious illnesses. The list is not published in this demo.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:serious_illness_list]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data
Price depends on the plan and on age. Five age bands, from 0 to 5 up to 51 to 60.
- FHIR record
- InsurancePlan/demo-hospital
- Field
- extension[fact:price_basis]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Checked against the demo rules
Sold through the demo bank channel (fictional).
- FHIR record
- InsurancePlan/demo-hospital
- 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-hospital
- 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-hospital
- 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-hospital
- 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-hospital
- 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-hospital
- 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-hospital
- 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-hospital
- Field
- extension[fact:contact]
- Source
- Demo rules
- As of
- 2026-11-04
- Review status
- Gap: not in the demo data