CHUBB CARE PLUS

Your Health Companion

• Comprehensive insurance programs with high coverage: up to VND 13 billion per year.
• Wide coverage area: from Vietnam to worldwide.
• Medical inflation protection: Automatically increase 10% of the Face Amount, per-treatment limits, and room charges.
• Holistic wellness support with vaccination and routine health check-up benefits.

Enhanced Protection

• Actual medical expense reimbursement for Cancer and 4 common Critical illnesses treatment.
• Superior protection: Double Face Amount benefit for Cancer and 4 common Critical illnesses.
• Peace of mind: Coverage for nutrition and psychological counseling during Cancer treatment.
• Complete recovery process: Support for reconstructive surgery costs due to Cancer.

Elite & Flexible

• Diverse and practical benefits: Including inpatient, outpatient, dental and maternity.
• Flexible plan and benefit adjustments to suit personal needs.
• Balance protection and personal finances with co-payment or deductible options.
• Convenient and fast process with Direct billing service at over 600 hospitals and clinics domestically and internationally.

I. INSURANCE BENEFITS
                                                                                    Unit:VND

(*) Available only if Outpatient benefit is selected.
Detailed terms and conditions are specified in the product’s Terms & Conditions.

II. GEOGRAPHIC COVERAGE

III. GENERAL INFORMATION

• Change of Plan: Within 30 days prior to the Renewal Date, the Policy Owner may send a written request to Chubb Life to: (i) Change the Plan; (ii) Change insurance benefits; (iii) Change the option to apply a co-payment rate or deductible level in the current insurance benefit.
• Change of Health Care Program: Within 30 days prior to the Renewal Date, the Policyholder may send a written request to Chubb Life to: (i) Change the insurance program; (ii) Change insurance benefits; (iii) Change the option to apply a co-payment rate or deductible level in the current insurance program.

• Eligibility Age:
  • For Inpatient, Outpatient and Dental Benefits: From 1 month old to 65 years old;
  • For Maternity Benefits: From 18 years old to 45 years old.
• Policy term: 1 year from the Effective Date and may be renewed annually until the Life Assured reaches 53 years old for maternity benefits and 74 years old for other benefits.
• Premium term: Equal to the Policy term.
• Premium payment mode: shall follow the payment mode of the Policy.
• Waiting period: 30 days/90 days/270 days from the Effective Date of this product, corresponding to each insurance benefit/type of illness as detailed in the Chubb Care Plus Terms and Conditions. No Waiting period applies in case of Accident.
• Disclosure Obligation: The Policy Owner is obliged to provide and declare fully and accurately all necessary information for Chubb Life to assess and consider acceptance of insurance as the basis for participate in the Policy. Inaccurate or incomplete information may result in insurance benefits not being paid and the Policy being canceled.
• Download the Insurance Policy: Please visit www.baohiemchubblife.vn to: (i) review the Policy information, and (ii) confirm receipt of the ePolicy.

IV. Insurance Exclusions

Chubb Life will not pay insurance benefits if the Insurance Event occurs under any of the following circumstances or due to any of the following causes:

1. Treatment for Pre-existing Conditions, except where such conditions have been fully and accurately declared in the Application Form and accepted by Chubb Life.
2. Treatment resulting from exposure to radiation or nuclear materials, ionizing radiation, radioactive contamination, toxic substances, explosives, or other hazardous characteristics of nuclear materials and/or toxic or poisonous pollutants.
3. War (whether declared or not), invasion, rebellion, revolution, terrorism, riots, civil commotion, civil war, or any hostile acts.
4. Participation in professional sports activities (sports activities where coaches or athletes engage in training, performing, or competing as their profession).
5. Participation in hazardous sports activities, including: paragliding, hang gliding, recreational scuba diving, rock climbing, cave or abyss exploration, hunting, horse racing, motor racing of any kind, skydiving, motor sports and cycling sports, jet skiing, contact sports, and any hazardous sports activities as defined by law from time to time.
6. Treatment for syphilis, gonorrhea, venereal diseases, sexually transmitted infections, sexual dysfunction or physiological treatment, illnesses related to HIV infection or Acquired Immunodeficiency Syndrome (AIDS), or any variations and/or symptoms, diseases, or complications related to AIDS, except for HIV infection acquired while performing duties as a healthcare worker or law enforcement officer.
7. Vaccination, immunization, and preventive treatment, except where covered under Outpatient Benefits.
8. General health check-ups, except where covered under Outpatient Benefits.
9. Treatment for infertility and/or sterility and related medication costs. Use of contraceptives and birth control methods.
10. Treatment related to maternity, except where covered under Maternity Benefits. All maternity complications, except those covered under Complications of Pregnancy Benefits.
11. Abortion, except when medically necessary to save the mother’s life.
12. Cosmetic surgery, reconstructive/plastic surgery, gender reassignment surgery, aesthetic treatments, and related complications, except reconstructive/plastic surgery due to Injury to restore mobility as prescribed by a Doctor; weight control surgery.
13. Treatment for hair loss, cost of wigs, and all medications or treatments for hair or hair loss.
14. Dental treatments, services, and surgeries, except due to Accident or where covered under Dental Benefits.
15. Hearing aids, eyeglasses, contact lenses, wheelchairs, orthopedic devices, prosthetic limbs.
16. Any mental, psychological, neurological disorders, nervous breakdown, stress, insomnia, treatment related to sleep apnea (including snoring).
17. Any congenital or hereditary diseases or disorders.
18. Suicide or attempted suicide or intentional self-injury, whether in a sane or insane state.
19. Treatment for illness or bodily injury resulting from criminal acts under the Penal Code; or from participation in fights or brawls by the Insured, unless proven to be an act of rescue or legitimate self-defense.
20. Impaired capacity due to substance abuse, sedatives, or illegal use of any harmful substances in solid, liquid, or gaseous form.
21. Consequences of driving a vehicle (i) exceeding the legal speed limit or (ii) with blood alcohol concentration exceeding the normal level as guided by the Ministry of Health.
22. Any treatment resulting from alcohol or drug abuse.
23. Treatment by convalescence, rest cure, custodial care, general physical wellness programs, or costs related to unnecessary rest periods without specialized treatment or monitoring, even if covered under Inpatient Benefits.
24. Treatment or care at: long-term care facilities, nursing homes, health resorts, diet centers, mental health treatment centers, psychiatric hospitals.
25. All tests, medications, and treatments not prescribed or ordered by a Doctor.
26. Any experimental medical treatment or use of experimental drugs.
27. Alternative medicine treatments, except where covered under Outpatient Benefits.
28. Use of cosmetic products, dietary supplements, vitamins, minerals, nutritional additives, or products for dieting, weight loss, or weight gain, traditional Chinese medicine, except where covered under Outpatient Benefits.
29. Treatment upon request for personal needs.
30. Genetic testing.
31. Treatment for strabismus and refractive eye disorders, including: vision tests; LASIK surgery; methods to correct refractive errors such as myopia, hyperopia, astigmatism, presbyopia, anisometropia; accommodation disorders; dry eye; cataract or vitreous disorders; conjunctivitis; tearing; lacrimal duct obstruction; blurred vision; eye protrusion/recession; increased/decreased intraocular pressure; ocular paralysis; fitting of prosthetic eyes due to pathological causes.
32. Additional exclusions as notified by Chubb Life to the Policyholder due to conditional acceptance of the Insured by Chubb Life.

For full details, please refer to:

• Claim Procedure
• Chubb Care Plus Terms & Conditions
• Premium Table