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Care Elite Program

Care Elite Program

01 Care Elite Program

Elite protection for a life of distinction

Care Elite takes you to the pinnacle of health protection, where peace of mind is not just a need, but a lifestyle standard tailored for the accomplished. When you’ve chosen to live differently, your protection should reflect that same distinction.

This program is designed for those who live proactively, demand exceptional quality of life, and never settle when it comes to their health. With the most comprehensive benefits and an annual coverage limit of up to VND 20 billion, Care Elite is the definition of elevated protection.

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

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02 Highlights

A fully integrated suite of inpatient and optional benefits offering the highest benefit limits, worldwide protection, and seamless service tailored for elite customer

  • 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

  • CE1

    VND 10,000,000,000

    • Ideal for: Professionals, entrepreneurs, and senior executives with high income; Families with a premium lifestyle who prioritize top-tier medical services;
    • Coverage Area: Worldwide

  • CE2

    VND 20,000,000,000

    • Ideal for: Professionals, entrepreneurs, and senior executives with high income; Families with a premium lifestyle who prioritize top-tier medical services;
    • Coverage Area: Worldwide

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

Unit: VND

INPATIENT BENEFITS (MAIN)
PLAN

CE1

CE2
MAXIMUM BENEFIT/POLICY YEAR 10 billion 20 billion
Coverage Area Worldwide(*)
Room and Board Expenses
(Maximum 60 days/Policy Year)		 8,000,000/day 9,000,000/day
Daily Doctor’s Visit and Specialist Consultation Expenses
(Maximum 30 visits/Policy Year)		 6,000,000/visit 7,000,000/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 before 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:
Expenses for surgeon, operating room, anaesthetist, pre-surgical assessment and normal post-surgical care		 Paid in full
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		 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		 3,000,000/day 3,500,000/day
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		 Paid in full
Periodic Hemodialysis
(Maximum 30 times/Policy Year)		 400,000,000/Policy Year 500,000,000/Policy Year
Day Surgery
(One time/Policy Year)		 80,000,000/Policy Year 100,000,000/Policy Year
Emergency Expenses
(Maximum 5 visits/Policy Year)		 15,000,000/Policy Year 20,000,000/Policy Year
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		 2,000,000/day 2,300,000/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		 15,000,000/month 20,000,000/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
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

CE1

CE2
MAXIMUM BENEFIT/POLICY YEAR 1 billion 2 billion
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		 50,000,000/visit 60,000,000/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		 60,000,000/visit 70,000,000/visit
Expense for Physiotherapy, Chiropractic in Outpatient Treatment:
(Maximum 30 days/Policy Year)		 5,000,000/day 10,000,000/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		 5,000,000 5,000,000
Vaccination
(One time/Policy Year)
The Company pay 60%		 4,000,000 5,000,000
Cancer screening package
(One time/Policy Year)
The Company pay 60%		 3,000,000 3,000,000

MATERNITY BENEFITS (OPTIONAL)
PLAN

CE1

CE2
MAXIMUM BENEFIT/POLICY YEAR 80 million 100 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 thirty (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		 20,000,000 25,000,000
Mother Care:
(Maximum 2 times/Policy Year)
(Within 30 days after delivery or within an expired Policy Year)
Postnatal follow-up visits		 2,500,000/visit 3,000,000/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		 1,500,000/day 2,000,000/day
Maternity Gift
(Per delivery)
Applicable when the Insured Person gives birth at a Public Hospital in Vietnam, excluding private-service departments		 6,000,000 7,000,000

DENTAL BENEFITS (OPTIONAL)
PLAN

CE1

CE2
MAXIMUM BENEFIT/POLICY YEAR 30 million 40 million
Coverage Area Worldwide(*)
Dental Treatment:
Examination, pathological dental X-rays, treatment of gingivitis, periodontitis, apicoectomy (deep subgingival tartar removal), pathological tooth filling, root canal treatment, extraction of pathological tooth (including surgery)		 Paid in full
Tooth cleaning
(Maximum 2 times/Policy Year)
Company pay 100%		 4,000,000/visit 5,000,000/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 Elite 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
CE1 36,642 21,934 19,672 21,652 24,514 25,804 27,094 28,842 33,118 38,594 46,806 56,298
CE2 47,208 28,260 25,346 27,896 31,584 33,246 34,908 37,160 42,668 49,724 60,304 72,534

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
CE1 30,572 18,300 16,414 18,066 20,454 21,530 22,606 24,064 27,632 32,200 39,052 46,974
CE2 36,266 21,710 19,472 21,430 24,264 25,540 26,818 28,548 32,778 38,198 46,328 55,724
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
CE1 23,726
CE2 29,650
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
CE1 12,350 18,524 12,350 18,524
CE2 15,966 23,948 15,966 23,948
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 DISCOUNTS
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