SCOPE OF COVER

LIMIT OF INDEMNITY/PERSON/YEAR

BRONZE (VND)

SILVER (VND)

GOLD (VND)

PLATINUM (VND)

TERRITORY: VIET NAM

I. BASIC COVER: INPATIENT AND SURGICAL PROCEDURES DUE TO DISEASES AND/OR ACCIDENTS

170,000,000

306,000,000

612,000,000

1,224,000,000

1. a. Room & Board / Intensive Care Unit
b. Hospital Miscellaneous Expenses

2,550,000/ day up to 51,000,000 per year

4,250,000/ day up to 85,000,000 per year

8,500,000/ day up to 170,000,000 per year

17,000,000/ day up to 340,000,000 per year

2. Pre-hospitalisation Treatment (within 30 days prior to the hospital admission)

3,400,000 per year

5,950,000 per year

8,500,000 per year

17,000,000 per year

3. Post-hospitalisation Treatment (45 days following the hospital discharge)

4. Home Nursing immediately following hospital discharge (Max. 15 days) per year

N/A

2,550,000

3,400,000

5,100,000

5. Hospital Cash Income (Max. 60 days)

51,000/ day up to 3,060,000 per year

85,000/ day up to 5,100,000 per year

119,000/ day up to 7,140,000 per year

170,000/ day up to 10,200,000 per year

6. Surgical Operation: Excluding Organ Transplantation (but including Out-patient Surgery). (*)

51,000,000 per year

85,000,000 per year

170,000,000 per year

340,000,000 per year

7. Organ Transplantation (excluding the cost of organ). This benefit is composed of expenses for the Surgical Operation. (*)

76,500,000 per year

127,500,000 per year

255,000,000 per year

510,000,000 per year

8. Ambulance Services within the territory of Vietnam (excluding evacuated by airplane).

51,000,000 per year

85,000,000 per year

170,000,000 per year

340,000,000 per year

9. Burial or Cremation cost

1,700,000 per event

3,400,000 per event

5,100,000 per event

6,800,000 per event

II. ADDITIONAL COVERS (OPTIONAL)

1. Loss of Income Compensation  due to diseases and/or accidents but not exceeding 80% of the actual earnings

85,000/ day

15,300,000 per year

170,000/ day

30,600,000 per year

255,000/ day

45,900,000 per year

340,000/ day

61,200,000 per year

2. Outpatient Treatment caused by diseases and/or accidents
a. Consultations charges, cost of Prescribes medicines, charges made for laboratory tests or X-rays that are used in the diagnosis of a covered disability.
b. Radiotherapy, Heat therapy or Phototherapy and other such treatment prescribed by a physician
c. Dental Treatment (including scaling treatment up to 340,000/year)

5,100,000/ year
10 visit/ year
510,000 per visit

8,500,000/ year
10 visit /year
850,000 per visit

11,900,000/ year
10 visit/ year
1,190,000 per visit

17,000,000/ year
10 visit/ year
1,700,000 per visit

3. Maternity (only applied for group with at least 5 female employees).
a. Complication & Pregnancy.
b. Newborn Cover (applied to group with at least 50 employees)
c. Caesarean Section
d. Normal Childbirth: 50% limit of this benefit.

Maximum of 25,500,000

Maximum of 42,500,000

Maximum of 85,000,000

Maximum of 127,500,000

4. Emergency Medical Evacuation

340,000,000 per year

340,000,000 per year

850,000,000 per year

850,000,000 per year

5. International Travel Insurance (15days/trip/person)
a. Medical Expenses
b. Emergency Evacuation
c. Repatriation
d. Burial and Funeral

170,000,000 per trip

340,000,000 per trip

510,000,000 per trip

850,000,000 per trip

6. Death, Permanent Disablement
Death, Permanent Disablement following diseases and/or accidents (Up to 30-month salary)

85,000,000 per occurrencce

170,000,000 per occurrencce

340,000,000 per occurrencce

510,000,000 per occurrencce

BENEFITS

VN100

VN200

VN300

VN400

VN500

Personal Accident

1.  Accidental Death or Permanent Disablement
Payable in the event of Accidental Death or Permanent Disablement of the Insured Person

100,000,000 per Adult

200,000,000 per Adult

300,000,000 per Adult

400,000,000 per Adult

500,000,000 per Adult

2.  Child Education Fund
Payable in the event of Accidental Death of one or both parents

10,000,000 per child

20,000,000 per child

30,000,000 per child

40,000,000 per child

50,000,000 per child

3.  Burial Allowance
Payable in the event of Accidental Death of the Insured Person

2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

Reimbursement of Medical Expenses

4.  Accidental Medical Expenses
- Emergency Treatment
- In-Hospital Treatment
- Surgical Operation
- Out-patient Treatment
- Post-Hospitalization
- Ambulance

20,000,000 per occurrence

40,000,000 per occurrence

60,000,000 per occurrence

80,000,000 per occurrence

100,000,000 per occurrence

Loss of Income

5.  Weekly Income
Cash Allowance payable in the event the insured employee is prevented from working following an accident

1,000,000 per week

2,000,000 per week

3,000,000 per week

4,000,000 per week

5,000,000 per week