Travel Flex
About travel flex
Why choosing Travel Flex?

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.

Download Benefit Schedule HERE
Download Policy Wording HERE


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.
Benefits
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.
MANDATORY BENEFITS Plan A Plan B Plan C
Mandatory Benefits
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.
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 10,000,000 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
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.
16,000,000 10,000,000 6,000,000
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. 3,500,000 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 .

PRICING (PREMIUM (UNIT: VND 1,000)

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
Plan A  Individual 100 140 160 180 220 260 80
Family 200 280 320 360 440 520 160
Plan B Individual 80 100 120 140 160 180 60
Family 160 200 240 280 320 360 120
Plan C Individual 60 80 100 120 140 160 60
Family 120 160 200 240 280 320 120
Asia
Plan A Individual 180 260 300 320 360 460 120
Family 360 520 600 640 720 920 240
Plan B Individual 140 180 220 240 260 300 100
Family 280 360 440 480 520 600 200
Plan C Individual 120 160 180 200 240 240 80
Family 240 320 360 400 440 480 160
Worldwide
Plan A Individual 220 300 360 400 460 580 140
Family 440 600 720 800 920 1.160 280
Plan B Individual 180 240 280 300 340 400 100
Family 360 480 560 600 680 800 200
Plan C Individual 160 200 240 260 280 300 80
Family 320 400 480 520 560 600 160
PERSONAL ACCIDENTS
400.000 Individual 44 60 68 72 82 92 20
Family 88 120 136 144 164 184 40
1.000.000 Individual 84 112 126 136 156 172 34
Family 168 224 252 272 312 344 68
2.000.000 Individual 154 208 234 254 292 320 64
Family 308 416 468 508 584 640 128
5.000.000 Individual 330 444 500 540 620 680 136
Family 660 888 1.000 1.080 1.240 1.360 272
INCIDENTAL COVER
Plan A Individual 100 160 180 200 220 280 60
Family 200 320 360 400 440 560 120
Plan B Individual 80 120 140 160 180 200 40
Family 160 240 280 320 360 400 80
Plan C Individual 60 80 100 120 140 160 40
Family 120 160 200 240 280 320 80
Get life insurance. Get a Wealth Bonus. Get living.
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.

Pacific Cross Vietnam will apply the following administrative rules

to travel insurance claim files relating to Covid 19:

        1. Claims for Covid 19 related medical expenses will be accepted on a pay and claim basis only.

        2. A waiting period of 21 days will be applied for covid diagnoses. A diagnosis of Covid 19 infection must have occurred after 21 days from the date of departure from the country of departure, in order for the claim file to be accepted for adjudication.

        3. 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.