Intercare/ Master Care

This is the package at the medium-high class of employee benefit tower. It mainly covers medical expenses regardless they are due to accident & illnesses but with high sum insured from about USD 30,000 to USD 500,000. The territorial scopeis also extended outside Vietnam from Asia to Worldwide. It is appropriate for local C-suite employees who often travel for business or use the medical services at highest luxurious in Vietnam.

Main coverage:

• Inpatient, including room & board, surgical operation, pre & post hospitalisation, hospital cash, home nursing. This package also has evacuation & mortal remains benefits which are extended in comparison with the local popular plan.
• Outpatient, Maternity, Dental, Physiotherapy & Term Life are often added as optional benefits.

• Injuries during war or invasion
• Terrorist activities
• Intentional acts of causing damage
• Violations of laws and regulations
• Attemp suicide or self-harm
• Participation in professional sports activities or dangerous sports activities
• Affect by stimulants, addictive substances, detoxifying drugs, drugs not prescribed by a professional doctor, alcohol, beer or alcoholic substances and this influence is the cause of the accident
• The insured person drives a vehicle with an alcohol level over the provisions of the Traffic Law
• Using drugs without doctor’s indication, vaccination, dietary supplements
• Normal health screening
• Congenital diseases
• STDs, HIV
• Psychiatric diseases, stress
• Assisted reproduction: IUI, IVF…
• Cosmetic treatment
• Eye refractive errors
• Private doctor clinic

and others specified in wording details