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
SCHEDULE OF BENEFITS (in VND) | M1+ | M2 | M3 | |||||||||||||||||||
| Maximum Benefit For Any ONE Disability and Sequelae - Covers normal, usual and customary charges, per disability per lifetime for: | 5,000,000,000 | 10,000,000,000 | 20,000,000,000 | |||||||||||||||||||
| Treatment Area | Worldwide | Worldwide | Worldwide | |||||||||||||||||||
| INPATIENT BENEFITS – Covers normal, usual and customary charges for: | ||||||||||||||||||||||
| Room and Board (standard room) | Private in Vietnam, Semi-Private in other countries | Private in ASEAN countries, Semi-Private in other countries | Semi-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 old | As Charged | |||||||||||||||||||||
| Intensive Care Unit, Coronary Care Unit and Operating Room | As Charged | |||||||||||||||||||||
| Surgeon’s Fee – Includes pre-surgical assessment and normal post-surgical care for each operation | 600,000,000 per operation (1,000,000,000 upgrade) | As Charged | ||||||||||||||||||||
| Anaesthetist’s Fee | Up to 35% of eligible Surgeon’s Fee | As Charged | ||||||||||||||||||||
| Pre and Post Hospitalization (including Rehabilitation) – Within 30 days before admission and 90 days after discharge up to | 30,000,000 per disability per year | 40,000,000 per disability per year | 50,000,000 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. | 500,000,000 | 1,000,000,000 | 4,000,000,000 | |||||||||||||||||||
| 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 of | 500,000,000 | 1,000,000,000 | 2,000,000,000 | |||||||||||||||||||
| Home Nursing – Immediately after hospitalization and certified to be medically necessary by the attending physician for up to 30 days per disability per year | As 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 of | 100,000,000 | 100,000,000 | 200,000,000 | |||||||||||||||||||
| 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 of | 100,000,000 | 150,000,000 | 200,000,000 | |||||||||||||||||||
| Maternity Benefit – Maximum limit per pregnancy after a 12-month waiting period (90 days for miscarriage and therapeutic abortion) up to Limit per pregnancy
| 40,000,000 | 60,000,000 | 100,000,000 | |||||||||||||||||||
| 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 | Included | |||||||||||||||||||||
| Mortal Remains – Repatriation to Home Country or Country of Residence | As Charged | |||||||||||||||||||||
| EMERGENCY BENEFITS | ||||||||||||||||||||||
| Accidental Damage to Teeth – Emergency treatment for up to 7 days following accidental loss or damage caused to sound natural teeth | As 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 Service | As Charged | |||||||||||||||||||||
| 24-Hour Emergency Assistance Services and Emergency Medical Evacuation Service | Included | |||||||||||||||||||||
| Additional Travel Expenses (following Evacuation) – One economy class airline ticket to return an Insured Person to the Country of Residence | Included | |||||||||||||||||||||
| 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 medicines | As Charged | |||||||||||||||||||||
| Alternative Medicines – Fees for visits to homeopath, osteopath, acupuncturist, bonesetter, herbalist and Chinese medicine practitioner; and prescribed herbs up to an annual limit of | 5,000,000 | 10,000,000 | 20,000,000 | |||||||||||||||||||
| TRAVEL BENEFIT* – Covers the following eligible expenses worldwide when travelling outside the Insured’s country of residence on trips lasting up to 90 days | NOTE
(*) 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”. | |||||||||||||||||||||
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PREMIUM RATES (UNIT: VND,1000) | ||||||||||||||||
| AGE GROUP | 0-5 | 6-18 | 19-25 | 26-30 | 31-35 | 36-40 | 41-45 | 46-50 | 51-55 | 56-60 | 61-65 | Renew Only | ||||
| 66-70 | 71-75 | 76-80 | 81-85 | 86-90 | ||||||||||||
| M1+ | 29,308 | 27,407 | 38,881 | 41,824 | 44,831 | 46,752 | 51,068 | 57,247 | 63,538 | 78,264 | 93,924 | 140,917 | 194,381 | 268,349 | 370,295 | 510,986 |
| Upgrade Benefit: >VND 1,000,000,000 Surgeon's Fee | 1,516 | 1,418 | 1,739 | 1,900 | 2,060 | 2,167 | 2,355 | 2,488 | 2,756 | 2,917 | 3,211 | |||||
| M2 | 30,405 | 28,433 | 46,302 | 49,774 | 53,247 | 55,534 | 59,783 | 67,638 | 75,824 | 93,274 | 111,997 | 167,977 | 231,844 | 319,963 | 441,555 | 609,322 |
| M3 | 34,813 | 32,554 | 58,604 | 62,784 | 67,020 | 69,475 | 76,793 | 81,093 | 93,274 | 104,958 | 145,138 | 195,944 | 275,164 | 382,760 | 535,864 | 750,209 |
| OPTIONAL BENEFITS | ||||||||||||||||
| Dental Benefit | 3,150 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 | 5,775 |
| Personal Accident Benefit | for Class 1 Occupation: VND 28,350 per VND 20,000,000 | |||||||||||||||
| Lifestyle Upgrade 1 | 4,494 | |||||||||||||||
| Lifestyle Upgrade 2 | 7,035 | |||||||||||||||
Optional Schedule
| Master 1 | Master 2 | Master 3 | |
| Dental | 20,000,000VN 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% co-insurance |
| Premium | 0-3 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 | |||
| Premium | Class 1: 28,350VND per 20,000,000VND Class 2: 33,600VND per 20,000,000 VND | Class 1: 28,350VND per 20,000,000VND 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 | |||
| Premium | Please 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 Exclusion | 30% 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 lives | 5% discount |
| Groups of 5 - 10 lives | 10% discount |
| Groups of 11 - 20 lives | 15% discount |
| Groups of 21 and above | 20% discount |
