..:: Comprehensive healthcare insurance ::..

COMPREHENSIVE HEALTHCARE INSURANCE

Claims procedure

OVERVIEW
INSURANCE COVERAGE
EXCLUSION
PRODUCT DOCUMENT
CLAIMS GUIDELINE
OTHER PRODUCTS

product overview

Eligibility:

Age: From 15 days old to 80 years old (calculated according to the last birthday)
Persons suffering from mental illness, down syndrome, or leprosy;
Persons with a permanent disablement rating or loss of work ability 50% or more;

Waiting period

Pre existing conditionc: 365 days from the First Effective date
Special diseases: 365 days from the First Effective date
Maternity care:

+ 90 days from the First Effective date for Maternity complications
+ 270 days from the First Effective date for delivery

Death/ Total permanent Disablement due to Sickness and Maternity: 30 days from the First Effective date for normal disease, WP of Special disease, pre existing condition or Maternity Care

Territorial limit
Vietnam, Asia, Worldwide depend on Insured person's selection.

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Main definitions
(*) Special disease:
Cancers and tumors of all types, blood pressure, heart/blood vessels, gastritis/stomach ulcers, gastrointestinal inflammation/ulcers, chronic polyarthritis, hepatitis of all types, endometritis, hemorrhoids, stones of all types, cataracts, sinusitis, tonsillitis necessitating surgical removal, osteoarthritis, disc herniation, Parkinson’s disease, diabetes, bone density/lipid metabolism disorders.

(**) Pre-existing condition:
Any Injury or Sickness sustained by the Insured Person prior to the First Effective Date and:

for which treatment has been received for three years prior to the First Effective Date;
the symptoms of which have been observed before the First Effective Date and the Insured Person was aware or should have been aware, whether the Insured Person was actually examined and treated or not.

INSURANCE COVERAGE

main coverage

PERSONAL ACCIDENT

The death/permanent disablement benefit and a daily allowance/salary-based allowance
Medical expenses incurred by the Insured Person as a result of an Injury due to Accident during the Period of Insurance
Any consequences of an Accident occurring within 104 weeks from the date of such Accident occurs up to the amount stated in the Table of Benefits.

DEATH/TOTAL PERMANENT DISABLEMENT DUE TO SICKNESS AND MATERNITY

The Company shall pay the Sum Insured in full to the Beneficiary in the event of the Insured Person’s death or Total Permanent Disablement resulting from a Sickness or Maternity.

HOSPITALIZATION, SURGICAL DUE TO SICKNESS AND MATERNITY

All Reasonable Medical Expenses incurred as a result of a Sickness or Maternity necessitating Hospitalization or Surgery up to the limit specified in the Table of Benefits.