Travel Care Cover Matrix

		Bronze Plan	Silver Plan	Gold Plan	Diamond Plan
		400 million VND PA and Unlimited Evac cover - No cover for Medical or Sections 3-12	2 billion VND PA cover, 1 billion VND Medical cover and Unlimited evac cover. No cover for Sections 3-12	4 billion VND PA cover, 2 billion VND Medical cover and Unlimited evac cover PLUS cover for Sections 3-12	6 billion VND PA cover, 3 billion VND Medical cover and Unlimited evac cover PLUS high level cover for Sections 3-12
Section 1	Personal Accident Benefits
		Maximum Benefits - (thousands of VND)	Maximum Benefits - (thousands of VND)	Maximum Benefits - (thousands of VND)	Maximum Benefits - (thousands of VND)
Benefit A.	Personal Accident
	1. Accidental Death*	400,000	1,000,000	2,000,000	3,000,000
	2. Loss of two eyes two limbs or one eye and one limb*	400,000	1,000,000	2,000,000	3,000,000
	3. Loss of one eye or one limb two limbs*	200,000	500,000	1,000,000	1,500,000
	4. Death or permanent total disablement by accident in a common carrier or private car*	400,000	2,000,000	4,000,000	6,000,000
	5. Permanent total disablement caused by other accidents*	400,000	1,000,000	2,000,000	3,000,000
Benefit B. (extension of cover)	Credit Card protection**	10,000	10,000	10,000	10,000
Section 2	Medical and other expenses
Benefit A.	Medical Expenses Including any follow up medical expenses incurred within 1 month after return to Vietnam	Not Covered	1,000,000	2,000,000	3,000,000
Benefit B. (extensions of cover)	i) Compassionate Assistance		100,000	100,000	100,000
	ii) Repatriation of remains		Unlimited	Unlimited	Unlimited
	iii) Funeral Expenses		200,000	200,000	200,000
	iv) Return of children***		100,000	100,000	100,000
Benefit C.	Emergency Medical Evacuation expenses: Provides cover, where judged medically appropriate, for the cost evacuation to a new location	Unlimited	Unlimited	Unlimited	Unlimited
Emergency Assistance Service (84 - 8 3823 2429)		Unlimited	Unlimited	Unlimited	Unlimited
Section 3	Hospital Cash Benefit: Provides a daily benefit for each complete day an Insured Person is confined to a hospital	N O T C O V E R E D	N O T C O V E R E D	1,000 per day and 20,000 in aggregate any one event	1,000 per day and 40,000 in aggregate any one event
Section 4	Baggage and Personal Effects****: Provides protection for items lost or damaged during a Trip			5,000 per item and 25,000 in aggregate	10,000 per item and 50,000 in aggregate
Section 5	Delayed Baggage: Provides protection for the purchase of emergency items due to a delay of baggage of at least 8 hours			4,000 for each insured person	4,000 for each insured person
Section 6	Personal Money and Travel Documents: Provides protection for the accidental loss (Burglary or natural disaster) of Personal Money and travel documents taken on a trip plus resulting additional travel and hotel expenses incurred			Personal Money - 4,000 Other expenses 20,000	Personal Money - 6,000 Other expenses 60,000
Section 7	Personal Liability: Provides protection against legal liability claims for bodily injury and/or property damage from an event occurring during a Trip			4,000,000	4,000,000
Section 8	Travel Delay: Provides protection for delays in departure of a Common Carrier by more than 8 hours			2,000 for each 8 hour period and 10,000 in aggregate	2,000 for each 8 hour period and 20,000 in aggregate
Section 9	Loss of Deposit or Cancellation: Provides protection for irrecoverable deposits and payments in respect of a Trip cancellation as a result of specified events (as detailed in the policy)			100,000	150,000
Section 10	Curtailment of Trip: Provides protection for irrecoverable costs incurred if a trip is unavoidably curtailed due to the death or serious injury/illness to a Family member, or a due to a riot or civil commotion			100,000	150,000
Section 11	Golf 'Hole in One': Provides protection for expenses incurred as a result of achieving a verified 'hole in one' during a Trip			4,000	4,000
Section 12	Reimbursement of rental vehicle excess: Provides protection for the reimbursement of a motor policy excess an Insured Person is liable to pay following an accident involving a car rented by an Insured Person			10,000	10,000
Cover for Acts of Terrorism is included under all plans
Cover will be automatically extended for up to a period of 10 days, without charge, if an Insured Person is unavoidably delayed in the course of their scheduled Trip

	AREA 1 Vietnam Only	AREA 2 ASEAN (countries as defined)			AREA 3 Asia-Pacific (countries as defined)			AREA 4 Worldwide (all other countries)
	Bronze Plan (VND)	Silver Plan (VND)	Gold Plan (VND)	Diamond Plan (VND)	Silver Plan (VND)	Gold Plan (VND)	Diamond Plan (VND)	Silver Plan (VND)	Gold Plan (VND)	Diamond Plan (VND)
	SINGLE	SINGLE	SINGLE	SINGLE	SINGLE	SINGLE	SINGLE	SINGLE	SINGLE	SINGLE
Up to 3 days	70,000	110,000	130,000	240,000	110,000	140,000	240,000	140,000	180,000	300,000
4-6 days	100,000	140,000	180,000	280,000	150,000	200,000	300,000	200,000	250,000	400,000
7-10 days	120,000	180,000	220,000	360,000	190,000	240,000	400,000	240,000	300,000	530,000
11-14 days	160,000	220,000	280,000	480,000	230,000	320,000	600,000	320,000	400,000	700,000
Each additional week or part thereof	40,000	70,000	80,000	140,000	70,000	100,000	160,000	80,000	100,000	200,000
	FAMILY	FAMILY	FAMILY	FAMILY	FAMILY	FAMILY	FAMILY	FAMILY	FAMILY	FAMILY
Up to 3 days	140,000	220,000	260,000	480,000	220,000	280,000	480,000	280,000	360,000	600,000
4-6 days	200,000	280,000	360,000	560,000	300,000	400,000	600,000	400,000	500,000	800,000
7-10 days	240,000	360,000	440,000	720,000	380,000	480,000	800,000	480,000	600,000	1,100,000
11-14 days	320,000	440,000	560,000	960,000	440,000	640,000	1,200,000	640,000	800,000	1,400,000
Each additional week or part thereof	100,000	140,000	160,000	280,000	160,000	200,000	320,000	160,000	200,000	400,000

*For Children - Benefits are limited to 20% of the sum insured. For persons aged 76 or above - Benefits are limited to 30% of the sum insured

**Credit car protection not applicable to children

***Benefit not applicable to children

**** For children - Benefits are limited to 50% of the sum insured

Area 2 (ASEAN) includes the following countries only:
Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar (Burma), Philippines, Singapore and Thailand

Area 3 (Asia-Pacific) includes the following countries only:
Australia, mainland China, Guam, Hong Kong SAR, Japan, Korea, Macau SAR, New Zealand, Saipan, Taiwan and Tinian.

If a Trip involves more than one Geographical Area - the widest area must be used for premium calculation purposes (e.g. if a trip involves a trip to China (AREA 3) and the USA (AREA 4), the premium applicable for AREA 4 must be paid.