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Care Student Program

Care Student Program

01 Care Student Program

Protecting every step of your educational journey

Care Student accompanies and protects health while supporting the journey of learning, creating a foundation of peace of mind so that every step in education can move forward with confidence. In the dynamic and continuously evolving rhythm of school life, Care Student provides the reassurance needed for individuals, families, and educational institutions to focus on nurturing knowledge, expanding experiences, and building a sustainable future.

The program offers essential health benefits with coverage limits of up to VND 100 million per year, enabling students to confidently access quality medical services. With an affordable and cost-effective premium that delivers sustainable protection, Care Student serves as a solid starting point for a health protection journey within the learning environment.

Download Care Student Brochure HERE.
Download Policy Wording HERE.
Download the Summary of Benefits and Exclusions HERE.

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02 Highlights

Essential protection with flexible benefit add-ons such as Outpatient and Personal Accident, offered at the most optimal cost

  • Hospital Cash Benefit
  • Covers most serious illnesses such as Cancer, Periodic Hemodialysis, Organ Transplants, etc.
  • Companion Bed for insured child under 18 years old
  • Easy claims tracking via mobile app
  • Outpatient direct billing
  • Always ready to assist you when needed.

INSURANCE BENEFITS

  • Care Student Plans

    Standard/Premier

    • With Inpatient and Personal Accident benefits, Standard Care offers peace of mind against health risks requiring inpatient treatment or unexpected accidents.
    • Premier Care extends coverage by adding Outpatient benefits, supporting costs of health check and preventive care for more comprehensive protection.

  • Coverage area

    Vietnam

    • Eligible insured persons are individuals aged 6–25, living, studying, or working in Vietnam.
    • Suitable for Parents/Families seeking to protect their children’s health, Young people aiming to proactively care for their health, Educational institutions wanting to ensure safety and welfare for their students.

  • Coverage Limit

    VND 100,000,000

    • One claim can deliver benefits that outweigh whole year’s premium
    • Free choice of medical facilities across the country, direct billing network at more than 600 hospitals and clinics, and a digital experience of purchasing and using insurance product with quick procedures via the website and mobile application.

Unit: VND

Co-payment 80/20 (The Company will reimburse 80% of the Customary and Reasonable Expenses).

INPATIENT BENEFIT
PLAN

 STANDARD CARE

PREMIER CARE

MAXIMUM BENEFIT/POLICY YEAR 100 MILLION
Coverage Area Vietnam
Room and Board Expenses
(Maximum 60 days/Policy Year)		 600,000/day
Daily Doctor’s Visit and Specialist Consultation Expenses
(Maximum 30 visits/Policy Year)		 500,000/visit
Intensive Care Unit (ICU), Coronary Care Unit (CCU), and High Dependency Unit (HDU) Room Expenses
(Maximum 30 days/Policy Year)		 1,200,000/day
Pre-Hospitalization Treatment
(Within 30 days before admission)		 3,000,000/Policy Year
Post-Hospitalization Treatment
(Within 90 days after discharge)		 3,000,000/Policy Year
Home Nursing Care
(Within 60 days after discharge)		 3,000,000/Policy Year
Ambulance Services
(Maximum 5 times/Policy Year)		 5,000,000/Policy Year
Miscellaneous Inpatient Expenses:
Expenses for diagnostic tests, diagnostic imaging as prescribed by a Doctor, prescribed medications, Doctor’s expenses, blood, plasma, wheelchair rental within the Medical Facility, medical supplies, surgical instruments and equipment, medical devices placed/implanted inside the body, etc.		 6,000,000/Policy Year
Inpatient Surgery Expenses:
Expenses for surgeon, operating room, anaesthetist, pre-surgical assessment and normal post-surgical care		 50,000,000/Policy Year
Cancer Treatment:
(Maximum 5 visits/Policy Year)
Expenses for radiotherapy, chemotherapy and targeted therapy (excluding surgical methods) prescribed by a Doctor. This benefit does not cover medication prescribed for home use		 50,000,000/Policy Year
Organ Transplant:
(1 organ/lifetime)
Covers the cost of kidney, heart, lung, liver and bone marrow transplants for the recipient Insured Person (up to 50% for donor and the remaining percentages for recipient, at the option of the Insured Person)
The Company does not pay for the cost of acquiring an organ.
This benefit is a lump sum maximum per organ per lifetime and no other policy benefits are payable by Company in respect of Insured Person’s organ transplant		 50,000,000/Policy Year
Companion Bed: 
(Maximum 30 days/Policy Year)
An extra bed in the same room for a parent or legal guardian accompanying an insured child under 18 years old		 500,000/day
Periodic Hemodialysis
(Maximum 30 times/Policy Year)		 25,000,000/Policy Year
Day Surgery
(One time/Policy Year)		 5,000,000/Policy Year
Emergency Expenses
(Maximum 5 visits/Policy Year)		 1,700,000/visit
Hospital Cash:
(Maximum 30 days/Policy Year)
The total payout amount for Hospital Cash, Companion Bed, and Room and Board Expenses under Inpatient treatment shall not exceed the maximum limit of the Room and Board Expenses benefit under Inpatient Treatment		 100,000/day
24-Hour Emergency Assistance Services and Emergency Medical Evacuation Service Include

OUTPATIENT BENEFIT
PLAN

STANDARD CARE

PREMIER CARE
MAXIMUM BENEFIT/POLICY YEAR NOT INCLUDE 10 MILLION
Coverage Area Not include Vietnam
Outpatient Treatment (non-surgery):
Expenses for Doctor, diagnostic tests, diagnostic imaging as prescribed by a Doctor, Prescription Drugs, medical supplies, and other related expenses		 Not include 1,000,000/visit
Outpatient Treatment (with surgery):
Surgical Doctor expenses, operating room expenses, anesthesia/analgesia expenses, laboratory testing, diagnostic imaging, medical supplies expenses, surgical instruments and equipment expenses, prescription drugs, and other related expenses		 Not include 2,000,000/visit
Expense for Physiotherapy, Chiropractic in Outpatient Treatment:
(Maximum 30 days/Policy Year)		 Not include 100,000/day
Free Basic Screening Package
(One time/Policy Year)
The cost shall be paid if no reimbursed claims occurred in the previous Policy Year. The Insured Person is entitled to a basic health screening package including: Abdominal Ultrasound, Urinalysis, Complete Blood Count (CBC), Lipid Profile, Electrocardiogram (ECG), Liver Enzyme Test, Lung X-ray		 Not include 500,000
Vaccination
(One time/Policy Year)
The Company pay 60%.		 Not include 500,000
Cancer screening package
(One time/Policy Year)
The Company pay 60%		 Not include 500,000

PERSONAL ACCIDENT BENEFIT
PLAN

STANDARD CARE

PREMIER CARE
SUM INSURED 100 MILLION
Death due to Accident 100% of Sum Insured
Total and irrecoverable loss of use of one eye or one limb 50% of Sum Insured
Total and irrecoverable loss of use of both eyes or more than two limbs 100% of Sum Insured
Total and irrecoverable loss of use of one eye and one limb 100% of Sum Insured
Permanent Total Disablement 100% of Sum Insured
Burial and Funeral Expenses VND 5,000,000

Care Student Program Premium Table

(Unit: VND)
Premium Discounts

Age Band Standard Care Premier Care
6–18 864,000 2,166,000
19–25 942,000 2,374,500

DISCOUNTS AND ADDITIONAL OPTIONS

(Applied only to Inpatient and Outpatient benefits)
GROUP DISCOUNTS
3 – 4 Insured Persons 5%
5 – 10 Insured Persons 10%
11 – 20 Insured Persons 15%
Above 20 Insured Persons 20%

NO CLAIM DISCOUNT
1 policy year prior 10%
2 consecutive policy year prior 15%
3 or more consecutive policy year prior 20%