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.
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.
|MANDATORY BENEFITS||Plan A||Plan B||Plan C|
|I. MEDICAL EXPENSES AND EMERGENCY ASSISTANCE: Covers the cost of medical treatment arising from illness or accident injury for both Inpatient and Outpatient.||2,000,000,000||1,500,000,000||1,000,000,000|
|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 country||130,000,000||130,000,000||130,000,000|
|Emergency Evacuation: Emergency evacuation to the nearest facility capable of providing adequate medical care hợp.||Unlimited|
|Repatriation: Repatriation to the country of origin when the Company and attending physician determine that it is necessary||Unlimited|
|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 disability.||20,000,000||15,000,000||10,000,000|
|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 Person||100,000,000||70,000,000||40,000,000|
|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 aboard||100,000,000||70,000,000||40,000,000|
|Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin||100,000,000||70,000,000||40,000,000|
|Mortal Remains: Transportation charges for repatriation of the mortal remains to the country of origin||60,000,000||40,000,000||20,000,000|
|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.
|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 10,000,000||30,000,000||16,000,000||10,000,000|
|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||5,000,000||2,500,000||1,300,000|
|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||40,000,000||30,000,000||20,000,000|
|Personal Money: Loss of cash, bank notes and travelers checks arising from theft, burglary or robbery||8,000,000||5,200,000||2,600,000|
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.
|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.||3,500,000||2,500,000||1,500,000|
|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||130,000,000||90,000,000||70,000,000|
|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)||2,000,000,000||1,300,000,000||700,000,000|
|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.||10,000,000||6,000,000||4,000,000|
|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 .
|Duration of Trip (days)||1-5||6-8||9-11||12-15||16-24||25-31||For each additional 7 days
MEDICAL EXPENSES AND EMERGENCY ASSISTANCE
South East Asia
Pacific Cross Vietnam will apply the following administrative rules
to travel insurance claim files relating to Covid 19:
Claims for Covid 19 related medical expenses will be accepted on a pay and claim basis only.
A waiting period of 14 days will be applied for covid diagnoses. A diagnosis of Covid 19 infection must have occurred after 14 days from the date of departure from the country of departure, in order for the claim file to be accepted for adjudication.
If the Covid 19 diagnosis occurred in a country which was listed under CDC level 4 travel advisory on the date of departure, a claim file for Covid 19 related expenses will not be accepted for adjudication.