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Health First Series

Health First brings affordable benefits to families, individuals and companies who value their health and wellness but also their financial savings. These plans provide protection at a manageable cost, allowing you to put your health first without sacrificing budget.
 

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Benefit Schedule

SCHEDULE OF BENEFITS (in VND)

HF1

HF2

HF3

Maximum Benefit per Policy Year 150,000,000250,000,000450,000,000
Coverage AreaWorldwideWorldwideWorldwide
CORE BENEFITS – Covers normal, usual and customary charges for:
Inpatient Treatment Room Cost:
maximum 60 days/policy year
800,000/day1,200,000/day1,800,000/day
ICU – maximum 15 days/policy year1,600,000/day2,400,000/day 3,600,000/day 
Inpatient Surgery Fee: Fees for surgeon, operating room, anaesthetist, pre-surgical assessment and normal post-surgical care15,000,000/hospitalization25,000,000/hospitalization45,000,000/hospitalization
Miscellaneous Inpatient Charges: Fees for required diagnostic laboratory tests, imaging, prescribed medicines, doctor fees, blood, plasma, wheel chair rental for using in hospital, medical supplies, surgical appliances and devices, medical device to be placed inside the body.9,000,000/hospitalization15,000,000/hospitalization30,000,000/hospitalization
Outpatient Endoscopic Surgery: Fees for surgeon, operating room, anaesthetist, lab tests, imaging, medical supplies, surgical appliances and devices, prescribed medicines, and other related charges.15,000,000/surgery25,000,000/surgery45,000,000/surgery
Pre-Hospitalization Treatment (within 30 days before admission)3,000,000/policy year5,000,000/policy year10,000,000/policy year
Post-Hospitalization Treatment (within 30 days after discharge)3,000,000/policy year5,000,000/policy year10,000,000/policy year
Home Nursing – Maximum 20 days/policy year.80,000/day120,000/day180,000/day
Ambulance Service2,000,000/policy year4,000,000/policy year5,000,000/policy year
Oncology Treatment
Fees for radiotherapy and chemotherapy received as inpatient or outpatient treatment.
150,000,000/policy year250,000,000/policy year450,000,000/policy year
Organ Transplant
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
100,000,000/organ150,000,000/organ200,000,000/organ
Maternity Benefit
Expenses for maternity check-up, delivery, New born baby
care (within 7 days of delivery), treatment of maternity
complications
6,000,000/pregnancy7,000,000/pregnancy9,000,000/pregnancy
Accidental Outpatient Treatment in Emergency Ward:
Services in emergency ward of hospital /clinic for covered accident which has been treated within 24 hours of the accident
1,200,000/accident1,500,000/accident3,000,000/accident
Treatment of Accidental Damage to Teeth: Emergencytreatment for up to 7 days following accidental loss or damage caused to sound natural teeth. Teeth replacement is excluded1,200,000/accident1,500,000/accident3,000,000/accident
OUTPATIENT MEDICAL BENEFIT (Optional)
Outpatient Treatment (non-surgery): Fees for doctor, required diagnostic laboratory tests, imaging, prescribed medicines, medical supplies, and other related charges.Maximum
5,000,000/policy year,
800,000/visit
Maximum
7,000,000/policy year,
1,000,000/visit
Maximum
15,000,000/policy year,
2,000,000/visit
Outpatient Surgery Fee: Fees for surgeon, operating room, anaesthetist, lab tests, imaging, medical supplies, surgical appliances and devices, prescribed medicines, and other related charges.7,000,000/policy year12,000,000/policy year22,000,000/policy year
Fee for Physiotherapy, Chiropractic in Outpatient Treatment: Maximum 30 days/policy year.50,000/day70,000/day100,000/day
DENTAL BENEFIT (Optional)
Maximum Benefit5,000,000/policy year7,000,000/policy year10,000,000/policy year
Covers the costs of:
- Examination, X-rays
- Treatment of gingivitis, periodontitis
- Root tip resection, Removal of calculus under gums
- Tooth filling
- Root canal treatment
- Extraction (including surgery)
- Tooth cleaning (maximum 1 time/policy year)
Co-payment 80/20
(the Company pays 80%)
Co-payment 80/20
(the Company pays 80%)
Co-payment 80/20
(the Company pays 80%)
PERSONAL ACCIDENT BENEFIT (Optional): Sum Insured: 100,000,000 - 1,000,000,000 /policy year
This benefit is only available to Insured Persons aged from fifteen (15) days to (70) seventy years. This benefit will not be renewed if the insured person has reached the age of 71 years upon the renewal date.
Accidental death100%
Total and irrecoverable loss of sight in one or both eyes100%
Total loss of one or more limbs100%
Total and irremediable loss of use of two or more limbs100%
Permanent Total Disablement100%
Total and irremediable loss of use of one lilmb50%
GROUP DISCOUNT (applicable to core benefits and Outpatient medical benefit only)
Group 3 - 4 persons5%
Group 5 - 10 persons10%
Group 11 - 20 persons15%
Group over 20 persons20%

  PREMIUMS - HEALTH FIRST SERIES (unit: VND1,000)

AGE GROUP0-34-56-1819-2526-3031-3536-4041-4546-5041-5556-6061-65
 
CORE BENEFITS
HF16,1432,5601,8922,0202,1022,1312,1972,2982,4962,6743,0073,338
HF29,0633,7772,7912,8913,0103,0513,1453,2903,5733,9454,4364,925
HF315,0956,2914,6484,7194,9134,9805,1335,3705,8326,5717,3888,202
OUTPATIENT MEDICAL BENEFIT
HF15,4832,4771,8571,7851,8211,8461,9031,9512,0022,1862,2842,500
HF28,3663,7782,8342,7232,7782,8162,9032,9763,0543,3343,4853,814
HF313,3046,0094,5074,3314,4174,4784,6164,7324,8565,303 5,5426,066
A 25% loading is applied to all policies in which children aged 0-3 are insured alone (without their parents)
DENTAL BENEFITAGEHF1HF2HF3
0 - 39071,0161,451
4 - 651,2701,4222,031
PERSONAL ACCIDENT BENEFIT: 0.09% PREMIUM RATES FOR CLASS 1 OCCUPATION

 

 

Policy Wording

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   Policy Wording

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