Medical Plan for Expatriates

This is the high-end class of employee benefit tower. It covers medical expenses at very high sum insured from about USD 100,000 upward. The territorial scopeisalso extended outside Vietnam from Asia to Worldwide. It is appropriate for C-suite employees or expatriates who often travel for business or use the medical services at highest luxurious in Vietnam and/or medical services outside Vietnam. It is often offered and administered by international insurers like Allianz, Henner, April, AXA, Cigna…

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