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Travel Flex

09 May 2016
 
 
Travel Flex: the most affordable and flexible plan, allowing you to choose the benefits and different levels of insurance coverage with prices that fit your budget. Travel Flex can be adapted depending on the trip duration and the region you intend to visit, resulting in savings for you.

Our newest plan offers a wide choice of benefits so you can choose which are most suitable to you. Choose your coverage area to reduce your premium including ASEAN, Asia, or Worldwide. Optional benefits for you to choose from include Personal Accident and your total medical limits. Ideal for people who want greater choice on their levels of coverage to match their personal requirement’s and budget.
  • Coverage for winter sports, trekking, scuba diving, rafting, bungee-jumping and various aquatic sports without additional premium
  • 24/7 Assistance Services such as legal assistance, obtaining replacement of lost travel document, etc 
  • Free travel for children when both parents are covered under the same insurance
  • No deductible for all cover excluding optional car rental benefit
  • Automatic extension of the period of cover without charge for a maximum 5 days through circumstances outside the Insured Person’s control.

Benefit Schedule

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Travel Flex

MANDATORY BENEFITSUP TO (VND)
Plan APlan BPlan C
I. MEDICAL EXPENSES AND EMERGENCY ASSISTANCE: Covers the cost of medical treatment arising from illness or accident injury for both Inpatient and Outpatient. 2,000,000,0001,500,000,0001,000,000,000
Medical Expenses: Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of VND 6,000,000 per day for hospital room and board, and VND 20,000,000 per day if the room fee includes the fees for all professional services   
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country130,000,000130,000,000130,000,000
Emergency Evacuation: Emergency evacuation to the nearest facility capable of providing adequate medical careUnlimitedUnlimitedUnlimited
Repatriation: Repatriation to the country of origin when the Company and attending physician determine that it is necessaryUnlimitedUnlimitedUnlimited
Hospital Expenses Guarantee: Guarantee eligible medical expenses when hospital bills exceed VND 50,000,000   
Hospital Cash Allowance: VND 1,000,000 for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability20,000,00015,000,00010,000,000
Additional Costs of Travel & Accommodation: Additional travelling costs of the Insured Person for returning to the country of origin and additional costs of accommodation incurred by the Insured Person or an insured immediate family member or traveling companion when such costs arise from hospitalization due to a covered disability necessitating medical treatment of the Insured Person100,000,00070,000,00040,000,000
Family Member Visit: Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead aboard100,000,00070,000,00040,000,000
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin100,000,00070,000,00040,000,000
Mortal Remains: Transportation charges for repatriation of the mortal remains to the country of origin60,000,00040,000,00020,000,000
Referral Services: All referral services such as legal assistance, interpreter, obtaining replacement of lost travel document or air ticket, etc.   
II. PERSONAL ACCIDENT: 
Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is VND 400,000,000. Customers can choose the Sum Insured of VND 400,000,000; VND 1,000,000,000; VND 2,000,000,000; or VND 5,000,000,000.
OPTIONAL BENEFITS
III. INCIDENTAL COVER: Covers incidents during the trip
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is VND 5,000,000 per item and VND 10,000,000 per pair or set. Loss of laptop is limited to VND 10,000,00030,000,00016,000,00010,000,000
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of VND 1,300,000 per article when the checked baggage is delayed for at least 6 hours from the time of arrival at destination abroad 5,000,0002,500,0001,300,000
Loss of Travel Document: Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is VND 4,000,000 for plan A; VND 3,000,000 for plan B; and VND 2,000,000 for plan C  40,000,00030,000,00020,000,000
Personal Money: Loss of cash, bank notes and travelers checks arising from theft, burglary or robbery 8,000,0005,200,0002,600,000
Travel Delay:    
a) Additional Travel Cost - Transportation expenses necessarily incurred as a direct consequence of travel delay resulting from serious weather conditions, industrial action, hijack, mechanical derangement only if the Insured Person has to re-route his trip due to cancellation of a prior confirmed booking.  16,000,00010,000,0006,000,000
b) Cash Allowance - If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at VND 500,000 for each full 6 hours delay.  3,500,0002,500,0001,500,000
Curtailment of Trip or Cancellation Charges: Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service, compulsory quarantine of the Insured Person; natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence 130,000,00090,000,00070,000,000
Personal Liability: Indemnity against legal liability to a third party as a result of accidental injury or loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles) 2,000,000,0001,300,000,000700,000,000
Incidental Home Country: An Insured Person may return to the country of origin for incidental visits for a consecutive period up to 14 days provided that the Period of Insurance is not less than 31 days.     
Rental Car Excess Cover: Reimbursement of excess which the Insured Person is liable to pay for accidental loss or damage to a rental car. 10,000,0006,000,0004,000,000
IV. RENTAL CAR PROTECTION up to VND 500,000,000 (for adult between 23 and 75) 
Loss or damage occurs to a rental car result directly from fire, theft, collision or vandalism. Deductible: VND 5,000,000
 
PREMIUM (UNIT: VND 1,000)
Duration of Trip (days)1 - 56 - 89 - 1112 - 1516 - 2425 -31For each additional 7 days
MEDICAL EXPENSES AND EMERGENCY ASSISTANCE South East AsiaPlan A
 
Individual  10014016018022026080
Family 200280320360440520160
Plan B
 
Individual 80 10012014016018060
Family160200240280320360120
Plan C
 
Individual 608010012014016060
Family120160200240280320120
AsiaPlan A Individual 180260300320360460120
 Family360520600640720920240
Plan B Individual 140180220240260300100
 Family280360440480520600200
Plan C Individual 12016018020022024080
 Family240320360400440480160
WorldwidePlan A Individual 220300360400460580140
 Family4406007208009201,160280
Plan B Individual  180240280300340400100
 Family 360480560600680800200
Plan CIndividual16020024026028030080
 Family320400480520560600160
PERSONAL ACCIDENT400,000 Individual44606872829220
 Family8812013614416418440 
1,000,000 Individual8411212613615617234
 Family16822425227231234468
2,000,000 Individual15420823425429232064
 Family308416468508584640128
5,000,000 Individual330444500540620680136
 Family6608881,0001,0801,2401,360272
INCIDENTAL COVERPlan A Individual10016018020022028060
 Family200320360400440560120
Plan B Individual80 12014016018020040
 Family16024028032036040080
Plan C Individual608010012014016040
 Family12016020024028032080
RENTAL CAR PROTECTION100 per day       

Policy Wording

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Travel Insurance Policy Wording
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