# Hospital Cover (Demo)

> DEMONSTRATION ONLY. This site shows what technology can do. The data here is NOT current. It may be wrong or out of date. TCGI does not promise it is accurate. Do not use it to buy, claim or decide anything. For current product information, contact TCGI. Products shown are fictional.

> expires_at: 2026-11-13T02:07:00+07:00

Hospital stays, surgery and serious illness lump sum. Needs a state health insurance card.

Page: https://sandbox.itgives.link/en/products/hospital
JSON: https://sandbox.itgives.link/api/v1/products/hospital
as_of: 2026-11-04

Every line is generated from the product's facts and the match rules, and ends with the id of the fact it rests on. Nothing here ranks a product.

### Summary

- 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. (demo-hospital.overview)

### 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, demo-hospital.wait_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)

### Price

- Price depends on the plan and on age. Five age bands, from 0 to 5 up to 51 to 60. (demo-hospital.price_basis)

**Hospital Cover H1** (sum insured VND 30,000,000, person per year)

| Age | Price (VND) | As of |
|---|---|---|
| 0 to 5 | 250,000 | 2026-11-04 |
| 6 to 17 | 180,000 | 2026-11-04 |
| 18 to 35 | 200,000 | 2026-11-04 |
| 36 to 50 | 310,000 | 2026-11-04 |
| 51 to 60 | 470,000 | 2026-11-04 |

**Hospital Cover H2** (sum insured VND 60,000,000, person per year)

| Age | Price (VND) | As of |
|---|---|---|
| 0 to 5 | 425,000 | 2026-11-04 |
| 6 to 17 | 306,000 | 2026-11-04 |
| 18 to 35 | 340,000 | 2026-11-04 |
| 36 to 50 | 527,000 | 2026-11-04 |
| 51 to 60 | 799,000 | 2026-11-04 |

**Hospital Cover H3** (sum insured VND 150,000,000, person per year)

| Age | Price (VND) | As of |
|---|---|---|
| 0 to 5 | 850,000 | 2026-11-04 |
| 6 to 17 | 612,000 | 2026-11-04 |
| 18 to 35 | 680,000 | 2026-11-04 |
| 36 to 50 | 1,054,000 | 2026-11-04 |
| 51 to 60 | 1,598,000 | 2026-11-04 |

**Hospital Cover H4** (sum insured VND 300,000,000, person per year)

| Age | Price (VND) | As of |
|---|---|---|
| 0 to 5 | 1,450,000 | 2026-11-04 |
| 6 to 17 | 1,044,000 | 2026-11-04 |
| 18 to 35 | 1,160,000 | 2026-11-04 |
| 36 to 50 | 1,798,000 | 2026-11-04 |
| 51 to 60 | 2,726,000 | 2026-11-04 |

**Hospital Cover H5** (sum insured VND 600,000,000, person per year)

| Age | Price (VND) | As of |
|---|---|---|
| 0 to 5 | 2,375,000 | 2026-11-04 |
| 6 to 17 | 1,710,000 | 2026-11-04 |
| 18 to 35 | 1,900,000 | 2026-11-04 |
| 36 to 50 | 2,945,000 | 2026-11-04 |
| 51 to 60 | 4,465,000 | 2026-11-04 |

**Hospital Cover H6** (sum insured VND 1,200,000,000, person per year)

| Age | Price (VND) | As of |
|---|---|---|
| 0 to 5 | 3,750,000 | 2026-11-04 |
| 6 to 17 | 2,700,000 | 2026-11-04 |
| 18 to 35 | 3,000,000 | 2026-11-04 |
| 36 to 50 | 4,650,000 | 2026-11-04 |
| 51 to 60 | 7,050,000 | 2026-11-04 |

Every price table is also in https://sandbox.itgives.link/llms-prices.txt.

### Waiting periods

- Illness: 30 days from the start of cover. (demo-hospital.wait_illness)
- Listed serious illness: 90 days from the start of cover. (demo-hospital.wait_serious_illness)
- Accident: no waiting period. (demo-hospital.wait_accident)

### Exclusions

- Not covered: a condition you had, or had symptoms of, before cover started. (demo-hospital.preexisting)
- Not covered: cosmetic or beauty treatment. (demo-hospital.excl_cosmetic)
- Not covered: war, terrorism and riots. (demo-hospital.excl_war)

### Not published

- The rules refer to a list of serious illnesses. The list is not published in this demo. (Gap: not in the demo data) (demo-hospital.serious_illness_list)
- Cover duration: not published in this demo. (Gap: not in the demo data) (demo-hospital.cover_period)
- How to buy: not published in this demo. (Gap: not in the demo data) (demo-hospital.how_to_buy)
- How to claim: not published in this demo. (Gap: not in the demo data) (demo-hospital.how_to_claim)
- Renewal: not published in this demo. (Gap: not in the demo data) (demo-hospital.renewal)
- Cancellation: not published in this demo. (Gap: not in the demo data) (demo-hospital.cancellation)
- Payment options: not published in this demo. (Gap: not in the demo data) (demo-hospital.payment)
- Contact details: not published in this demo. (Gap: not in the demo data) (demo-hospital.contact)

### Points to check

- Age is counted at your last birthday before cover starts. (Sources differ. Demo filing summary says: Age is counted at your next birthday.) (demo-hospital.age_basis)
- Six sum insured levels, from VND 30 million to VND 1.2 billion. (demo-hospital.sum_insured_levels)
- Sold through the demo bank channel (fictional). (demo-hospital.where_sold)

### Fact ids

- `demo-hospital.overview`: overview
- `demo-hospital.age_entry`: eligibility
- `demo-hospital.age_basis`: eligibility
- `demo-hospital.card_required`: eligibility
- `demo-hospital.child_with_parent`: eligibility
- `demo-hospital.wait_illness`: waiting_period
- `demo-hospital.wait_serious_illness`: waiting_period
- `demo-hospital.wait_accident`: waiting_period
- `demo-hospital.benefit_hospital`: benefit
- `demo-hospital.benefit_serious_illness`: benefit
- `demo-hospital.preexisting`: preexisting
- `demo-hospital.excl_cosmetic`: exclusion
- `demo-hospital.excl_war`: exclusion
- `demo-hospital.sum_insured_levels`: limit
- `demo-hospital.serious_illness_list`: limit
- `demo-hospital.price_basis`: price_rule
- `demo-hospital.where_sold`: channel
- `demo-hospital.cover_period`: servicing
- `demo-hospital.how_to_buy`: servicing
- `demo-hospital.how_to_claim`: servicing
- `demo-hospital.renewal`: servicing
- `demo-hospital.cancellation`: servicing
- `demo-hospital.payment`: servicing
- `demo-hospital.contact`: servicing