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Care First Program

Care First Program

01 Care First Program

Solid start for a confident journey

Care First marks the first step in your journey toward protection and peace of mind for your steady steps on the path to an active and healthy life. Whether you’re taking your first look at health insurance or seeking a budget-friendly plan, Care First gives you the courage to start your journey with health benefits that truly matter.

This program is designed for those who value core protection and access to quality healthcare at reasonable costs. With crucial health benefits and an annual coverage limit up to VND 500 million, Care First is a solid foundation to start your journey towards well-being.

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

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02 Highlights

Essential protection with flexible benefit add-ons such as Outpatient, Dental, Maternity, 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

  • CF1

    VND 100,000,000

    • Ideal for: Young independent individuals, newly employed office workers; Young couples without children or newly married; Individuals considering insurance for the first time, prioritizing affordability
    • Coverage area: Vietnam

  • CF2

    VND 250,000,000

    • Ideal for: Young independent individuals, newly employed office workers; Young couples without children or newly married; Individuals considering insurance for the first time, prioritizing affordability
    • Coverage area: Vietnam

  • CF3

    VND 500,000,000

    • Ideal for: Young independent individuals, newly employed office workers; Young couples without children or newly married; Individuals considering insurance for the first time, prioritizing affordability
    • Coverage area: Vietnam

Unit: VND

INPATIENT BENEFITS (MAIN)
PLAN

CF1

CF2

CF3
MAXIMUM BENEFIT/POLICY YEAR 100 Million 250 Million 500 Million
Coverage Area Vietnam
Room and Board Expenses
(Maximum 60 days/Policy Year)		 600,000/day 1,250,000/day 2,500,000/day
Daily Doctor’s Visit and Specialist Consultation Expenses
(Maximum 30 visits/Policy Year)		 500,000/visit 1,000,000/visit 1,500,000/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 2,500,000/day 5,000,000/day
Pre-Hospitalization Treatment
(Within 30 days before admission)		 3,000,000/Policy Year 6,000,000/Policy Year 10,000,000/Policy Year
Post-Hospitalization Treatment
(Within 90 days after discharge)		 3,000,000/Policy Year 6,000,000/Policy Year 10,000,000/Policy Year
Home Nursing Care
(Within 60 days after discharge)		 3,000,000/Policy Year 6,000,000/Policy Year 10,000,000/Policy Year
Ambulance Services
(Maximum 5 times/Policy Year)		 5,000,000/Policy Year 10,000,000/Policy Year 15,000,000/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 15,000,000/Policy Year 30,000,000/Policy Year
Inpatient Surgery Expenses:
Expenses for surgeon, operating room, anaesthetist, pre-surgical assessment and normal post-surgical care		 50,000,000/Policy Year 125,000,000/Policy Year 250,000,000/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 125,000,000/Policy Year 250,000,000/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 125,000,000/Policy Year 250,000,000/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 800,000/day 1,000,000/day
Periodic Hemodialysis
(Maximum 30 times/Policy Year)		 25,000,000/Policy Year 50,000,000/Policy Year 75,000,000/Policy Year
Day Surgery
(One time/Policy Year)		 5,000,000/Policy Year 10,000,000/Policy Year 15,000,000/Policy Year
Emergency Expenses
(Maximum 5 visits/Policy Year)		 1,700,000/visit 3,500,000/visit 4,000,000/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		 100,000/day 300,000/day 500,000/day
24-Hour Emergency Assistance Services and Emergency Medical Evacuation Service Include Include Include

OUTPATIENT BENEFITS (OPTIONAL)
PLAN CF1 CF2 CF3
MAXIMUM BENEFIT/POLICY YEAR 10 million 25 million 50 million
Coverage Area 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		 1,000,000/visit 2,000,000/visit 5,000,000/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		 2,000,000/visit 5,000,000/visit 7,500,000/visit
Expense for Physiotherapy, Chiropractic in Outpatient Treatment:
(Maximum 30 days/Policy Year)		 100,000/day 200,000/day  300,000/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		 500,000 750,000 1,000,000
Vaccination
(One time/Policy Year)
The Company pay 60%.		 500,000 750,000 1,000,000
Cancer screening package
(One time/Policy Year)
The Company pay 60%		 500,000 750,000 1,000,000

MATERNITY BENEFITS (OPTIONAL)
PLAN CF1 CF2 CF3
MAXIMUM BENEFIT/POLICY YEAR 10 million  15 million  20 million
Coverage Area Vietnam
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		 2,500,000 3,750,000 5,000,000
Maternity Gift
(Per delivery)
Applicable when the Insured Person gives birth at a Public Hospital in Vietnam, excluding private-service departments		 500,000 1,000,000 1,500,000

DENTAL BENEFITS (OPTIONAL)
PLAN CF1 CF2 CF3
MAXIMUM BENEFIT/POLICY YEAR – –  5 million
Coverage Area – – Vietnam
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%		 – – 500,000/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 First 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
CF1 1,920 1,150 1,032 1,136 1,286 1,354 1,420 1,512 1,736 2,024 2,454 2,950
CF2 4,404 2,638 2,366 2,604 2,948 3,102 3,258 3,468 3,982 4,640 5,626 6,768
CF3 8,360 5,004 4,488 4,940 5,594 5,888 6,182 6,580 7,556 8,806 10,678 12,844

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
CF1 3,234 1,936 1,736 1,910 2,164 2,278 2,392 2,546 2,922 3,406 4,130 4,968
CF2 6,408 3,836 3,440 3,786 4,288 4,512 4,738 5,044 5,792 6,748 8,184 9,844
CF3 12,500 7,484 6,712 7,386 8,364 8,804 9,244 9,840 11,298 13,166 15,968 19,206
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
CF1 2,650
CF2 4,050
CF3 5,450
DENTAL BENEFITS
Tuổi 0-3 4-5 6-18 19-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65
CF3 3,310 4,964 3,310 4,964
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%
CO-PAYMENT OPTION
Insured persons aged 4 and above pay 20% of the cost 25%

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

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