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Term Definition

(a) occurring entirely beyond the Insured Person’s control and is caused by violent, external and visible means
(b) happens while the Insured Person is covered under this Policy.

Act of Terrorism
Definition: means an act whether involving violence or the use of force or not, and/or the threat or the preparation thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in conjunction with any organization(s) or government(s), committed for political, religious, ideological or ethnic purposes or reasons, including the intention to influence any government and/or to put the public or any section of the public in fear.

means a physician who specializes in anaesthesiology and is registered to practice  anaesthesiology under the relevant laws and regulations of the country in which he practices.


means the application form signed by the Policyholder and, if the Insured Person is different from the Policyholder, by each Insured Person whereby the Policyholder applied for each Insured Person to be covered under this Policy and which application form forms part of this Policy.

ASEAN countries

consists of Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore, Thailand and Vietnam.

Attending Physician

means the Physician responsible for the medical treatment of an Illness of an Insured Person. The Attending Physician may not be the Insured Person, a Family Member, or a Travelling Companion.

Benefits Schedule

means the benefits schedule attached to this Policy.


means a person who specializes in bone-setting and is licensed or registered to practice bone-setting under the relevant laws and regulations of the country in which he practices.


means a transportation company or transport undertaking whose principal business is the carriage by air, sea or land of passengers and/or cargo for hire or reward and which is duly licensed or certified in all jurisdictions in which such business is carried on for such purposes.


means a person who is a minor under the laws of his Country of Residence or a full-time student of not more than 23 years of age.

Chinese Medicine Practitioner

means a person licensed or registered to practice Chinese medicine under the relevant laws and regulations of the country in which he practices.

Close Business Partner

means a business associate that has a share in the Insured Person’s business.


is the percentage of the policy benefits paid or payable by the insured or by another insurance company.


means Hung Vuong Assurance Corporation.

Congenital Condition

means a physical or medical abnormality existing at the time of birth as well as neonatal physical/mental abnormalities developing thereafter because of factors inherent at the time of birth.

Cosmetic Surgery
Definition: means re-constructive surgery or surgery which is not medically necessary or which is performed principally to improve or with the principal objective of improving the appearance of a person or which the person concerned considers or believes will improve his appearance and includes any surgery necessary for psychological reasons, adaptation and personal satisfaction in respect of a Disability covered under this Policy.
Country of Residence

means the Country where the applicant has an established residence and spends a minimum of 183 days in one calendar year.

Custodial Care

(a) care provided mainly for personal needs, comfort or convenience that is provided by persons with or without specialized medical training or skills; or

(b) care provided mainly to maintain, rather than improve the medical condition of a person as a prophylaxis precaution for a physical or mental function or to provide a protected environment.


means an amount as stipulated in the Benefits Schedule to be deducted from the benefits payable in respect of any Eligible Expenses in each Policy Year.


means a person qualified by degree and licensed or registered to practice dentistry under the relevant laws and regulations of the country in which he practices.


means an Illness or Injury, and any symptoms, sequelae or complications thereof, and in the case of Injury includes all Injuries arising from the same event or series of contiguous events.

Eligible Expenses

means medical expenses for treatments and services, which are medically necessary for the treatment of a Disability.

Eligible Person

means (a) a person who is not a Child
(b) a Child who has a parent who is or will become an Insured Person.


means a bona fide situation where there is a sudden change in an Insured Person’s state of health, which requires urgent medical or surgical intervention to avoid imminent danger to his life or health.

Follow-up Care

Definition: means the treatment ordered by the Attending Physician of the hospitalization, including follow-up consultation, relevant medicines, diagnostic tests and physiotherapy. Cover is restricted to follow-up treatment of the specific medical condition for which the Insured Person received inpatient treatment covered by the Policy. Follow-up treatment does not include regular outpatient consultation and long-term medication for chronic medical condition.

Grace Period

means the period of thirty (30) days commencing from the date on which the relevant payment is due.


means a plant whose leaves are used as a medicine for and are required for the treatment of an Illness or Injury covered under this Policy and which is prescribed by a Herbalist or Chinese Medicine Practitioner for the treatment of such Illness or Injury.


means a person who grows or sells Herbs and who is licensed, registered or authorized under the relevant laws and regulations in the country in which he carries on such activities to grow or sell such Herbs.

Home Country / Country of Origin

is the country of which the Insured Person holds a passport and which has been declared on the Application.

Home Nursing

means nursing care immediately after hospitalization provided by a licensed nurse at home, and must be certified by the Attending Physician to be medically necessary.

Hospice care

Definition: means palliative care (symptom management, relief of suffering and end-of-life care) given to individuals who are terminally ill with an expected survival of six months or less. The focus of hospice care is on pain and symptom management, on meeting the physical, emotional, and spiritual needs of the dying individual, while fostering the highest quality of life possible.


Definition: means an institution which is legally licensed as a medical or surgical Hospital in the country in which it is situated and whose main functions are not those of a spa, hydro-clinic, sanitarium, nursing home, home for the aged, rehabilitation centre, a place for alcoholics or drug addicts. The Hospital must be under the constant supervision of a resident Physician.


(a) beginning or occurring after thirty (30) days from the Policy Effective Date
(b) which requires treatment by a Physician, Specialist or Surgeon
(c) which is covered by this Policy.

Immediate Family Member

means an Insured Person’s legal spouse, children (natural or adopted), siblings, siblings in law, parents, parents in law, grandparents, grandchildren, legal guardian, stepparents or stepchildren.


means a bodily injury (which for the avoidance of doubt excludes psychiatric conditions) arising wholly and exclusively from an Accident which independently of all other causes directly results in loss covered by this Policy.


means an Insured Person who suffers a Disability and who is admitted to Hospital for the treatment of that Disability and occupies a Hospital bed in connection therewith for a continuous period of not less than 18 hours.

Insured Person

means anyone of the persons named in the Policy Schedule as an Insured Person.

Medical appliances

means supplies prescribed by a doctor for medical use such as gloves, dressing, masks, nebulizer kits, syringes, cotton, and plaster as well as other consumable used for mechanical devices.

Medicines and Drugs

are any medicines or drugs (other than those which are experimental or unproven) prescribed by a Physician which are specifically required for the treatment of a Disability.

Miscellaneous Charges

means expenses required for laboratory tests, x-rays, professional fees, medicines and drugs, blood and plasma, wheelchair rentals, outpatient surgery, surgical appliances and devices, and intra-operative standard prosthetic devices.

Normal, Usual and Customary Charges

means a reasonable charge, which is (a) usual and customary when compared with the charges made for similar services and supplies in the locality of the Insured Person
(b) made to persons having similar medical conditions in the locality of the Insured Person.

North America

means Canada, United States of America, Mexico and the Caribbean Islands.

Optional Benefit

Definition: means a benefit included in this policy document which is included at the option of the Policyholder with the agreement of the Company and in respect of which the relevant rider is attached to this policy document and which is described as an affirmed benefit and for which additional premiums are payable to the Company.

Period of Insurance

means the period stated on the Policy Schedule to be the period of insurance or subsequently any renewal thereof during which the policy is in effect.

Permanent Total Disablement

means disablement which entirely prevents the Insured Person from attending to his business or occupation of any and every kind and which lasts 52 consecutive weeks and at the expiry of that period is beyond hope of improvement.

Persistent Vegetative State

a) a severe decrease of consciousness in which an Insured Person with neurologic damage is in a state of partial arousal rather than true awareness, though superficial signs such as eye opening, swallowing and spontaneous breathing and the like may persist; and

b) the state must have continued for at least four (4) weeks with no signs of improvement, when all reasonable attempts have been made to alleviate this condition.


means a person qualified by degree and licensed or registered to practice medicine under the relevant laws and regulations of the country in which he practices.


Definition: means this policy document and includes the Application, the Policy Schedule, the Benefits Schedule and the Surgical Schedule and any Optional Benefits included in this policy document with the relevant rider attached to this policy document and any endorsements, amendments or riders thereto which have been approved by an executive officer of the Company.

Policy Effective Date

means 12:00 midnight (local time in the Country of Residence) on the first day of the Period of Insurance.

Policy Schedule

means the policy schedule attached to this Policy.

Policy Year

means a calendar year commencing on the Policy Effective Date or any anniversary of that date.


means the person named in the Policy Schedule as the Policyholder and to whom this Policy has been issued in respect of insurance of the Insured Persons.

Pre-existing Condition

(a) which existed before the Policy Effective Date of Insurance with respect to the Insured Person, and the natural history of such illness can be clinically determined to have started upon processing of this application prior to the Policy Effective Date of coverage, whether or not the Insured Person was aware of such illness or condition; or

(b) for which treatment, or medication, or advice, or diagnosis has been sought or received during the two (2) years prior to the commencement of the Policy by an Insured Person; or

(c) which was known by the Insured Person to exist prior to the commencement of the Policy whether or not treatment, or medication, or advice, or diagnosis was sought or received.

***Dental pre-existing conditions are those requiring treatment as of the first dental exam after the policy effective date.

Professional Fees

means the fees payable to licensed medical professionals such as occupational therapist, physiotherapist, acupuncturist, dietician, Attending Physician (except Surgeon), a pathologist and radiologist.

Public Conveyance

means all public common carrier such as multi-engined aircrafts, buses, trains, ships, hovercrafts, ferries, and taxis that are licensed to carry fare paying passengers and coach being arranged by travel agency and is not a contractor or private carrier.

Public Place

means any publicly accessible location (such as car park, street, park, environmental area, bus station, airport, sports stadium or shopping centre) including public transportation of any kind or any other similar place or location.


means treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event which required inpatient treatment.

Renewal Date

means the date specified in the Policy Schedule to be the renewal date.

Special Diseases

means hemorrhoids, varicose veins, sinusitis, diabetes, all types of hepatitis.


means a Physician who specializes in one particular area of medicine.


means a person qualified by degree and licensed or registered to practice surgery under the relevant laws and regulations of the country in which he practices surgery.

Surgeon’s Fee

means fee payable to a Surgeon or Surgeons for providing surgery to treat a Disability. The Surgeon’s Fee includes pre-surgical assessment, hospital visits and normal post surgical care and is subject to Normal, Usual and Customary Charges.


means the lawful currency of the Socialist Republic of Vietnam.

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