The fulcrum to master your life
Pays for your hospital cost and clinics visit, and provides cash payment for your loved ones in untimely event of death or disability
Coverage
Insurance benefits
BENEFIT | BASIC | ADVANCED | SUPERIOR |
Sum insured | 50,000,000 | 100,000,000 | 150,000,000 |
1. Outpatient treatment (at actual cost) | 500,000 VND / visit Maximum 2,500,000 VND / year |
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2. Treatment of the accident (Not more than % according to the table of surgical rates and actual costs) |
% of 50.000.000 | % of 100.000.000 | % of 150.000.000 |
3. Inpatient treatment |
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a. Western medicine (max. 60 days/year) |
250,000 VND / Day | 500,000 VND / Day | 750,000 VND / Day |
b. Oriental medicine (max. 120 days/year) |
150,000 VND / Day | 300,00 VND / Day | 450,000 VND / Day |
4. Surgery (Not more than % according to the table of surgical rates and actual costs) |
% of 50.000.000 | % of 100.000.000 | % of 150.000.000 |
5. Loss of income subsidy | 200,000 VND / Day (Up to 60 days / year, hospital stay from day 3) |
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6. Death payout (Up to the amount covered) |
50,000,000 VND | 100,000,000 VND | 150,000,000 VND |
Premium fee
Package | Basic | Advanced | Superior |
Age 18 – 65 years old | 1,085,000 | 1,500,000 | 2,055,000 |
1. People who participate in professional sports activities or other dangerous sports activities
2. People who control or execute duties on aircraft
3. People with a history of psychiatric, neurological, leprosy, or cancer
4. People with permanent disability of 50% or more
5. People who are in the course of treatment for illnesses and injuries
T = 0 | Accident: Insurance takes effect right after the insuser pays the full premium. |
T = 30 | Treatment due to illness, illness. Death due to illness, disease, maternity |
T = 90 | Treatment of complications of pregnancy according to doctor’s prescription |
T = 270 | Childbirth |
T = 365 | Death and treatment due to special and pre-existing diseases |
Example
Ms. B suffered from appendicitis, had to go to District 5 Hospital for surgery and stayed for 4 days. The total cost of treatment is 6 million (surgery cost 4 million, hospitalization cost 2 million). So how does Bao Minh support this case? (Ms.B is participating in Advanced package)
1. Based on the surgical rate table (STB): support for appendix surgery is 12% - 15% on the STB (In the case of paying 3 million more if the wound is inflamed and causes complications, or other consequences). However, the actual cost of surgery is only 4 million, so BM pays 4 million)
2. Hospitalization fee: maximum 500K / day.
3. Loss of income (from the 3rd day): 200K / day * 2 = 400K => Total amount paid by Bao Minh: 6.4 million