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Master Series

Master Series

01 About 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 5.000.000.000 to 20.000.000.000VND in coverage and all plans include maternity, with optional benefits for personal accident and dental benefits.

Download Master Series Brochure HERE.

Download Master Series Policy Wording HERE.

Get a quote HERE. 

Apply HERE. 

 

Get A Quote    Apply

02 Highlights

Benefits for personal accident and dental benefits.

  • Free Choice of doctors and hospitals
  • Worldwide Cover
  • Alternative Medicine Coverage
  • Extensive Direct Billing network in Vietnam
  • Recreational Sports coverage
  • Preventative Health Benefit
  • 24/7 Emergency Assistance
  • Guaranteed renewability regardless of age, medical condition or location
  • Personal Accident Coverage included

Benefits up to $1,000,000 USD

  • M1+

    5,000,000,000

    • Maximum Benefit For Any ONE Disability and Sequelae - Covers normal, usual and customary charges, per disability per lifetime
    • Treatment Area: Worldwide

  • M2

    10,000,000,000

    • Maximum Benefit For Any ONE Disability and Sequelae - Covers normal, usual and customary charges, per disability per lifetime
    • Treatment Area: Worldwide

  • M3

    20,000,000,000

    • Maximum Benefit For Any ONE Disability and Sequelae - Covers normal, usual and customary charges, per disability per lifetime
    • Treatment Area: Worldwide
BENEFIT
MASTER 1
MASTER 2
MASTER 3

Inpatient Benefits

Covers normal, usual and customary charges for:
Room and Board (standard room) Private in Vietnam, Semi-Private in other countries Private in Vietnam, 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

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 270-day 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%

 40,000,000

20,000,000

 60,000,000

30,000,000

 100,000,000
Free New Born cover – A child of an Insured Person is eligible for the same
medical plan as the Insured Person after a 270-day waiting period, effective 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

Subject to the overall maximum limit per disability
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

Optional Benefits

Client can choose any plan
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
Lifestyle 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)
Lifestyle 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)

Travel Benefits

Covers the following eligible expenses worldwide when travelling outside
the Insured’s country of residence on trips lasting up to 90 days
Baggage & Travel Documents 15,000,000
Baggage Delay 2,500,000
Personal Money 10,000,000
Hospital Cash Income 12,000,000
Travel Delay 13,000,000
Curtailment of Trip or Cancellation Charges 50,000,000

Note

  • 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”.

PRICING

The #1 rated insurance company (unit: VND1,000)

Our Master Series health insurance plans are designed for people who want to be able to access the best medical care available globally.
From 0-85 years old
Age Group 0-5 6-18 19-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 81-85
M1+ 34,187 30,672 43,512 46,805 50,171 53,628 57,150 64,066 71,117 87,586 105,110 157,700 217,644 300,308 414,396
M2 36,598 31,819 51,818 55,703 59,589 63,703 66,903 75,694 84,855 104,447 125,336 187,983 259,455 358,070 494,143
M3 41,905 36,432 65,584 70,261 75,003 79,694 85,940 90,751 104,383 117,459 162,423 219,281 307,937 428,346 599,683
Upgrade Benefit:
>VND 1,000,000,000
Surgeon’s Fee		 1,826 1,588 1,947 2,126 2,307 2,486 2,635 2,786 3,085 3,264 3,593
Optional Benefits
Dental Benefit 3,440 6,306 6,306 6,306 6,306 6,306 6,306 6,306 6,306 6,306 6,306 6,306 6,306 6,306 6,306
Personal Accident Benefit  for Class 1 Occupation: VND 28.350 per VND 20,000
Lifestyle Upgrade 1 4,907
Lifestyle Upgrade 2 7,681
Age Group 86-90
M1+ 555,186
M2 662,028
M3 815,102
Optional Benefits
Dental Benefit 6,122
Personal Accident Benefit  for Class 1 Occupation: VND 28,350 per VND 20,000,000
Lifestyle Upgrade 1 4,764
Lifestyle Upgrade 2 7,457

Discount available

Covers the following eligible expenses worldwide when travelling outside
the Insured’s country of residence on trips lasting up to 90 days
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%
Outpatient Exclusion 30%
20% Co-payment Option
(you pay 20% and we pay 80& of eligible expenses)		 25%
VND 50,000,000 Inpatient Benefits Deductible**** 20%
Groups of 3 – 4 lives 5%
Groups of 5 – 10 lives 10%
Groups of 11 – 20 lives 15%
Groups of 21 and above 20%