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Care Cross Program

Care Cross Program

01 Care Cross Program

A crossroads of protection, where every risk finds its anchor

Care Cross offers you complete peace of mind, where financial stability and health protection intersect in perfect balance, empowering your confidence in your choice. With Care Cross, every decision is carefully considered between what you need and what you have, ensuring your health is prioritized while your finances remain firmly in control.

This program is designed for those who seek to elevate their health protection while maintaining flexibility and cost control. With significantly expanded benefits and an annual coverage limit up to VND 5 billion, Care Cross is where peace of mind finds its strongest balance to always stay secure.

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

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02 Highlights

Comprehensive benefits designed for maximum flexibility and cost efficiency

  • Hospital Cash Benefit
  • Financial Support for Cancer Diagnosis
  • Covers most serious illnesses such as Cancer, Periodic Hemodialysis, Organ Transplants, etc.
  • Companion Bed for insured child under 18 years old
  • Covered for Emergency Assistance benefits (such as Additional Travel Expenses, Repatriation of Mortal Remains, etc.)
  • Easy claims tracking via mobile app
  • Outpatient direct billing
  • Claims settlement
  • Always ready to assist you when needed.
  • Extensive Worldwide Direct Billing Network

INSURANCE BENEFITS

  • CC1

    VND 1,000,000,000

    • Ideal for: Adults with stable careers and finances; Couples and small families prioritizing peace of mind with cost–benefit balance; Individuals committed to long-term health and seeking full protection
    • Coverage Area: Worldwide

  • CC2

    VND 2,000,000,000

    • Ideal for: Adults with stable careers and finances; Couples and small families prioritizing peace of mind with cost–benefit balance; Individuals committed to long-term health and seeking full protection
    • Coverage Area: Worldwide

  • CC3

    VND 5,000,000,000

    • Ideal for: Adults with stable careers and finances; Couples and small families prioritizing peace of mind with cost–benefit balance; Individuals committed to long-term health and seeking full protection
    • Coverage Area: Worldwide

(*) Worldwide coverage, excluding the United States, Canada, Hong Kong, Singapore, Japan, and Switzerland

Unit: VND

INPATIENT BENEFITS (MAIN)
PLAN CC1 CC2 CC3
MAXIMUM BENEFIT/POLICY YEAR 1 billion 2 billion 5 billion
Coverage Area Worldwide(*)
Room and Board Expenses
(Maximum 60 days/Policy Year)		 4,000,000/day 6,000,000/day 7,000,000/day
Daily Doctor’s Visit and Specialist Consultation Expenses
(Maximum 30 visits/Policy Year)		 3,000,000/visit 4,000,000/visit 5,000,000/visit
Intensive Care Unit (ICU), Coronary Care Unit (CCU), and High Dependency Unit (HDU) Room Expenses
(Maximum 30 days/Policy Year)		 Paid in full
Pre-Hospitalization Treatment
(Within 30 days prior to admission)		 Paid in full
Post-Hospitalization Treatment
(Within 90 days after discharge)		 Paid in full
Home Nursing Care
(Within 60 days after discharge)		 Paid in full
Ambulance Services
(Maximum 5 times/Policy Year)		 Paid in full
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.		 Paid in full
Inpatient Surgery Expenses:
Fees for surgeon, operating room,
anaesthetist, pre-surgical assessment and normal post-surgical care		 Paid in full
Cancer Treatment:
(Maximum 5 visits/Policy year)
Fees for radiotherapy, chemotherapy and targeted therapy (excluding surgical methods) prescribed by a Doctor. This benefit does not cover medication prescribed for home use		 Paid in full
Organ Transplant:
(1 organ/lifetime)
Fees for 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 in respect of Organ Transplant		 Paid in full
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		 1,500,000/day 2,000,000/day 2,500,000/day
Periodic Hemodialysis
(Maximum 30 times/Policy Year)		 150,000,000/Policy Year 250,000,000/Policy Year 350,000,000/Policy Year
Day Surgery
(One time/Policy Year)		 30,000,000//Policy Year 50,000,000//Policy Year 70,000,000//Policy Year
Emergency Expenses
(Maximum 5 visits/Policy Year)		 6,000,000/visit 8,000,000/visit 10,000,000/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		 1,000,000/day 1,500,000/day 1,700,000/day
Financial Support for Cancer Diagnosis
The Insured Person will be reimbursed for this benefit if diagnosed with end-stage cancer but excluding thyroid cancer. The payout amount will be based on the Sum Insured and the remaining months of the Policy Year. This benefit is not renewable if already claimed		 5,000,000/month 7,000,000/month 10,000,000/month
24-Hour Emergency Assistance Services and Emergency Medical Evacuation Service Include
Additional Travel Costs:
(Post-Evacuation)
One economy-class air ticker to return the Insured Person to their country of residence		 5,000,000/Policy Year 5,000,000/Policy Year 5,000,000/Policy Year
Repatriation of Mortal Remains Paid in full
Accidental Dental Injury:  Emergency dental treatment within 7 days of the accident for loss or damage to natural healthy teeth Paid in full

OUTPATIENT BENEFITS (OPTIONAL)
PLAN CC1 CC2 CC3
MAXIMUM BENEFIT/POLICY YEAR 100 million 200 million 500 million
Coverage Area Worldwide(*)
Outpatient Treatment (non-surgery):
Expenses for Doctor, diagnostic tests, diagnostic imaging as prescribed by a Doctor, Prescription Drugs, medical supplies, and other related expenses		 7,000,000/visit 15,000,000/visit 40,000,000/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		 10,000,000/visit 20,000,000/visit 50,000,000/visit
Expense for Physiotherapy, Chiropractic in Outpatient Treatment:
(Maximum 30 days/Policy Year)		 500,000/day 1,000,000/day 2,000,000/day
Free Health Check-up
(One time/Policy Year)
The cost shall be paid if no claimable insurance event occurred in the preceding Policy Year		 2,000,000 2,000,000 5,000,000
Vaccination
(One time/Policy Year)
The Company pay 60%		 1,500,000 2,000,000 3,000,000
Cancer screening package
(One time/Policy Year)
The Company pay 60%		 1,500,000 2,000,000 3,000,000

MATERNITY BENEFITS (OPTIONAL)
PLAN CC1 CC2 CC3
MAXIMUM BENEFIT/POLICY YEAR 30 million 50 million 60 million
Coverage Area Worldwide(*)
Maternity Benefit:
Expenses for prenatal examinations; normal delivery or cesarean section due to medical necessity; treatment for newborns related to illness arising within 30 days after birth, provided that the mother remains hospitalized		 Paid in full
Newborn care:
(Within 30 days from the date of birth or within the expired Policy Year)
Routine health check-ups, vaccinations, equipment, and vitamins		 7,500,000 12,500,000 15,000,000
 Mother Care:
(Maximum 2 times/Policy Year)
(Within 30 days after delivery or within an expired Policy Year)
Postnatal follow-up visits		 1,000,000/visit 1,500,000/visit 2,000,000/visit
Financial Support:
(Maximum 5 days/Delivery)
The Company provides financial support during the period the Insured Person is hospitalized for childbirth at a Medical facility		 500,000/day 750,000/day 1,000,000/day
Maternity Gift
(Per delivery)
Applicable when the Insured Person gives birth at a Public Hospital in Vietnam, excluding private-service departments		 2,000,000 3,000,000 5,000,000

DENTAL BENEFITS (OPTIONAL)
PLAN CC1 CC2 CC3
MAXIMUM BENEFIT/POLICY YEAR 7.5 million 10 million 20 million
Coverage Area Vietnam Worldwide(*)
Dental Treatment:
Examination, X-ray; Treatment of gingivitis, periodontitis; Root tip resection, Removal of calculus under gum; Tooth filling; Root canal treatment; Extraction (including surgery)		 Paid in full
Tooth cleaning
(Maximum 2 times/Policy Year)
Company pay 100%		 1,000,000/visit 2,000,000/visit 3,000,000/visit

PERSONAL ACCIDENT BENEFITS (OPTIONAL)
SUM INSURED Options range from VND 20,000,000 to VND 10,000,000,000. Children’s benefits (ages 0–18) are limited to a maximum of 20% of the parents’ personal accident coverage
INSURANCE EVENT BENEFIT
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 Cross Program Premium Table

(Unit: 1,000 VND)
From 0-65 years old

CORE BENEFITS

INPATIENT BENEFITS
Age 0-3 4-5 6-18 19-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65
CC1 14,904 8,922 8,002 8,806 9,970 10,496 11,020 11,732 13,470 15,698 19,038 22,898
CC2 21,144 12,656 11,352 12,494 14,146 14,890 15,634 16,642 19,110 22,270 27,008 32,486
CC3 28,462 17,038 15,280 16,818 19,042 20,044 21,046 22,402 25,724 29,978 36,356 43,730

OPTIONAL BENEFITS

OUTPATIENT BENEFITS
Age 0-3 4-5 6-18 19-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65
CC1 17,500 10,476 9,396 10,340 11,708 12,324 12,940 13,774 15,816 18,432 22,354 26,886
CC2 20,470 12,254 10,990 12,096 13,696 14,416 15,138 16,114 18,502 21,562 26,150 31,452
CC3 25,228 15,102 13,546 14,908 16,878 17,766 18,656 19,858 22,802 26,572 32,226 38,762
MATERNITY BENEFITS
Age 0-3 4-5 6-17 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65
CC1 8,750
CC2 14,376
CC3 17,800
DENTAL BENEFITS
Age 0-3 4-5 6-18 19-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65
CC1 4,694 7,040 4,694 7,040
CC2 5,718 8,576 5,718 8,576
CC3 8,734 13,100 8,734 13,100
PERSONAL ACCIDENT BENEFITS
Insurance premium = Insurance Premium Rate by Occupational Classification x Sum Insured
Occupation Classification Premium Rate
Class 1: Professional and administrative duties performed in an office environment or other sedentary occupations. 0.0900%
Class 2: Occupations that do not involve manual labor but carry a higher risk of accidental injury due to the working environment or require frequent travel. This class also includes occupations involving primary supervisory duties. 0.1035%
Class 3: Occupations with a higher likelihood of accidents or involving light manual labor, as well as manual work that is not considered hazardous. 0.1190%
Class 4: High-risk occupations, heavy industries, and any jobs not classified under Class 1 to Class 3. Not Insured

Note: Children under 18 years of age are subject to the annual premium rate of Class 1.

DISCOUNTS AND ADDITIONAL OPTIONS

(Applied only to Inpatient and Outpatient benefits)
NO CLAIM DISCOUNT
1 year prior 10%
2 consecutive years prior 15%
3 or more consecutive years prior 20%

COVERAGE AREA OPTIONS
Worldwide (excluding the USA, Canada, Switzerland, Japan, Hong Kong, and Singapore) 0%
Asia (excluding Singapore, Hong Kong, and Japan) 10%
Southeast Asia (excluding Singapore) 20%

GROUP DISCOUNTS
3 – 4 Insured Persons 5%
5 – 10 Insured Persons 10%
11 – 20 Insured Persons 15%
Above 20 Insured Persons 20%

CO-PAYMENT OPTION
Insured persons aged 4 and above pay 20% of the cost 25%

Note: The applicable total premium must be at least 60% of the premium after underwriting