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Master Series

Our Master Series health insurance plans are designed for people who want to be able to access the best medical care available globally. They are highly flexible so that customers can choose from inpatient coverage only, dental, personal accident and also geographic location for coverage. 

Plans are available from $250,000 to $1,000,000 USD in coverage and all plans include maternity, with optional benefits for personal accident and dental benefits.

  • Free Choice of doctors and hospitals
  • Guaranteed renewability regardless of age, medical condition or location
  • Flexible Geographic Cover
  • 24/7 Emergency Assistance
  • Recreational Sports coverage
  • Alternative Medicine Coverage
  • Optional Personal Accident Cover
  • Extensive direct billing network in Vietnam
  • Free travel benefits for people with outpatient coverage

Master Series Brochure:  Download | View

Benefit Schedule

Master Benefit Schedule in VND





Maximum Benefit For Any ONE Disability and Sequelae - Covers normal, usual and customary charges, per disability per lifetime for:5,000,000,00010,000,000,00020,000,000,000
Treatment AreaWorldwideWorldwideWorldwide
INPATIENT BENEFITS – Covers normal, usual and customary charges for:
Room and Board (standard room) Private in Vietnam, Semi-Private in other countriesPrivate in ASEAN countries, Semi-Private in other countriesSemi-Private in E.U/ HK/ N. America/ Switzerland. Private in other countries
Parent Accommodation – An extra bed in the same room for a parent accompanying an insured child under 18 years oldAs Charged
Intensive Care Unit, Coronary Care Unit and Operating RoomAs Charged
Surgeon’s Fee – Includes pre-surgical assessment and normal post-surgical care for each operation600,000,000 per operation (1,000,000,000 upgrade)As Charged
Anaesthetist’s FeeUp to 35% of eligible Surgeon’s FeeAs Charged
Pre and Post Hospitalization (including Rehabilitation) – Within 30 days before admission and 90 days after discharge up to30,000,000 per disability per year40,000,000 per disability per year50,000,000 per disability per year
Organ Transplant – Fees for kidney, heart, lung, liver and bone marrow transplants (up to 50% for donor and the remaining percentages for recipient, at the option of the Insured Person) to a total of

This benefit is a lump sum maximum per organ per lifetime and no other policy benefits are payable in respect of Organ Transplant.
HIV/AIDS – Coverage will apply when HIV and/or its related illnesses present for the first time after 5 years continuous coverage under the Policy and any renewal thereof, with lifetime limit of500,000,0001,000,000,0002,000,000,000
Home Nursing – Immediately after hospitalization and certified to be medically necessary by the attending physician for up to 30 days per disability per yearAs Charged
Miscellaneous Inpatient Charges – For required diagnostic laboratory tests, x-rays, prescribed medicines; professional fees; blood and plasma; wheel chair rentals; outpatient surgery; surgical appliances and devices; and intra-operative standard prosthetics (as approved by the Company)As Charged
Hospice Care – For terminal illnesses with lifetime limit of100,000,000100,000,000200,000,000
Psychiatric and Mental Disorders – Hospital charges of VND 50,000,000 (applicable to M1+ and M2) or VND 100,000,000 (applicable to M3) per year with lifetime limit of100,000,000150,000,000200,000,000
Maternity Benefit – Maximum limit per pregnancy after a 12-month waiting period (90 days for miscarriage and therapeutic abortion) up to

Limit per pregnancy
  • Delivery
  • Miscarriage and therapeutic abortion
When both husband and wife are insured, the limit shall be increased by 50%



Free New Born cover – A child of an Insured Person is eligible for the same medical plan as the Insured Person 15 days after the date of birth, or the date of discharge on submission of application to the Company whichever is the later until the Insured Person’s next renewal for free
Mortal Remains – Repatriation to Home Country or Country of ResidenceAs Charged
Accidental Damage to Teeth – Emergency treatment for up  to 7 days following accidental loss or damage caused to sound natural teethAs Charged
Accidental Emergency Outpatient Treatment – (for covered accident which has been treated within 24 hours of the accident by the outpatient department of hospital, clinic, doctor’s office)As Charged
Emergency Local Ambulance ServiceAs Charged
24-Hour Emergency Assistance Services and Emergency Medical Evacuation ServiceIncluded
Additional Travel Expenses (following Evacuation) – One economy class airline ticket to return an Insured Person to the Country of ResidenceIncluded
OUTPATIENT BENEFITS: – Covers normal, usual and customary charges for:
Outpatient Benefit – Physician and specialists’ fees for office visits, physiotherapist, and chiropractor when referred by the attending physician; and, for required diagnostic laboratory tests, x-rays and prescribed medicinesAs Charged
Alternative Medicines – Fees for visits to homeopath, osteopath, acupuncturist, bonesetter, herbalist and Chinese medicine practitioner; and prescribed herbs up to an annual limit of5,000,00010,000,00020,000,000
TRAVEL BENEFIT* – Covers the following eligible expenses worldwide when travelling outside the Insured’s country of residence on trips lasting up to 90 days


  • Smoker has 15% loading
  • These medical plans are available for residents of Vietnam only. Residents in other countries will be subject to individual consideration.
  • This brochure is not a contract. For exact wording and complete details of the cover, terms, conditions and exclusions of the policy, please refer to the policy itself.

(*) Travel Benefit is included if Outpatient benefit is seleted.

(**) 20% Co-payment: you pay 20% and we pay 80% of eligible expenses.

(***) Treatment Area Limit (TAL) option limits coverage to 30 cumulative days of cover per policy year in North America, Japan and Hong Kong to emergency Inpatient treatment only (please refer to policy itself).

(****) VND50,000,000 Inpatient Benefits Deductible: you pay the first VND50,000,000 of eligible Inpatient treatment expenses in each policy year.

(*****) Discount Options are not applicable to Optional Benefits and Discount for Outpatient Exclusion is not applicable to Upgrade Benefit.

Discount Option “VND50,000,000 Inpatient Benefits Deductible” is only available if client take Inpatient Benefits only. In this case, they can choose between two discount options – “VND50,000,000 Inpatient Benefits Deductible” or “20% Co-payment”.

Baggage & Travel Documents15,000,000
Baggage Delay2,500,000
Personal Money10,000,000
Hospital Cash Income12,000,000
Travel Delay13,000,000
Curtailment of Trip or Cancellation Charges50,000,000
Dental Benefit - Cover 80% of normal, usual and customary charges for Eligible Expenses per year up to VND 20,000,000
Personal Accident Benefit - Option from VND 1,000,000,000 up to VND 10,000,000,000. Children (0-18 ages) only have 10% Personal Accident Sum Insured of their parents

Upgrade 1  

  • Medical Check-up: VND 2,600,000
  • Vaccination: VND 1,000,000
  • Dental Benefit: VND 5,000,000 (20% Co-payment **)
  • Personal Accident: VND 200,000,000 (the benefit of Child (0-18 ages) is VND 20,000,000 only)
Upgrade 2   
  • Medical Check-up: VND 4,000,000
  • Vaccination: VND 2,000,000
  • Dental Benefit: VND 10,000,000 (20% Co-payment **)
  • Personal Accident: VND 500,000,000 (the benefit of Child (0-18 ages) is VND 50,000,000 only)


 AGE GROUP0-56-1819-2526-3031-3536-4041-4546-5051-5556-6061-65    Renew Only
 M1+29,30827,40738,88141,82444,83146,75251,068 57,24763,53878,26493,924140,917194,381268,349370,295510,986
Upgrade Benefit: 
>VND 1,000,000,000
Surgeon's Fee
M2 30,40528,43346,30249,77453,24755,53459,78367,63875,82493,274111,997167,977231,844319,963441,555609,322
 M3  34,81332,55458,60462,78467,02069,47576,79381,09393,274104,958145,138195,944275,164382,760535,864750,209
 Dental Benefit3,1505,7755,7755,7755,7755,7755,7755,7755,7755,7755,7755,7755,7755,7755,7755,775
 Personal Accident Benefit for Class 1 Occupation: VND 28,350 per VND 20,000,000
 Lifestyle Upgrade 14,494
 Lifestyle Upgrade 27,035

Optional Schedule

 Master 1Master 2Master 3
Dental20,000,000VN max per
year, 20% co-insurance
20,000,000VND max per
year, 20% co-insurance
40,000,000VND max per year (or
20,000,000 max per year), 20%
Premium0-3 years old: 3,150
Above 3 years old: 5,775
0-3 years old: 3,150
Above 3 years old: 5,775
0-3 years old: 10,000 (or 3,150 for
20,000,000VND benefit)
Above 3 years old: 10,000 (or 5,775 for
20,000,000 VND benefit)

Personal Accident
Covers the loss of life, loss of one or both hands or feet, loss of vision in one or both eyes, or permanent and total disability caused directly and solely by an accident. (Maximum benefit is 2,000,000,000 VND after age 65 and coverage is terminated after age 75. Child Benefit is limited to a maximum of 10% of the sum insured of the parent's personal accident benefit, to a maximum of 1,000,000,000 VND, minimum of 10,000,000 VND)

Premium Class 1: 28,350VND per
Class 2: 33,600VND per
20,000,000 VND
Class 1: 28,350VND per
Class 2: 33,600VND per
20,000,000 VND
Class 1: 28,350VND per 20,000,000VND
Class 2: 33,600VND per 20,000,000VND
Travel Insurance
PremiumPlease contact us for more information

Discounts Available

Treatment Area Limit
Limits coverage in North Ameriaca (Canada, USA, Mexico, and Caribbean), Japan, and Hong Kong as follows: Coverage will be given for emergency inpatient treatment only, provided the Insured person has travelled less than a total of 30-days per policy year (combining all trips) to these countries. If the total travel days is greater than 30-days in these locations (combining all trips during the policy year), then no coverage is provided.
25% discount
Outpatient Exclusion30% discount
20% Co-payment Option
(you pay 20% and we pay 80& of eligible expenses)
25% discount
VND 50,000,000 Inpatient Benefits Deductible****20% discount
Groups of 3 - 4 lives5% discount
Groups of 5 - 10 lives10% discount
Groups of 11 - 20 lives15% discount
Groups of 21 and above20% discount

Policy Wording

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   Policy Wording

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