Chubb - Tự Do An Phúc
Bảo hiểm Sức khỏe + (Full commercial name: "MoMoCare | Bảo hiểm Sức khỏe + provided by CHUBB")
The " Bảo hiểm Sức khỏe +" product is a comprehensive and accessible health protection solution. It is designed to meet the growing healthcare needs of customers. With " Bảo hiểm Sức khỏe +", you will receive timely financial support to cover medical expenses arising from critical illness risks, making the treatment and recovery process easier and less burdensome.
Key Highlights
Covers actual medical expenses with a limit of up to VND 5 billion per policy year.
Protection against 37 common critical illnesses, including cancer, stroke, cardiovascular diseases, kidney failure, etc.
Easy enrollment with no medical examination required and a simple underwriting process with just 2 questions.
Flexible premium payment options: monthly or annually.
Important Information for Customers
I. INSURANCE BENEFITS
Benefit Name
|
Details
|
Sum Assured
|
5 billion
|
Geographical Coverage
|
Vietnam
|
Co-payment
|
20%
|
Total Covered Critical Illnesses
|
37
|
No.
|
Insurance Benefit
|
Coverage Limit
|
1
|
Hospital Bed Costs
|
VND 3,000,000 per day of hospitalization
|
2
|
ICU Bed Costs
|
Based on actual medical expenses
|
3
|
Surgery Costs
|
|
4
|
Same-Day Surgery Costs
|
|
5
|
Cancer Treatment Costs
|
|
6
|
Organ Transplant Costs
|
|
7
|
Pre-Hospitalization Treatment Costs
|
|
8
|
Post-Hospitalization Treatment Costs
|
|
9
|
Other Inpatient Treatment Costs
|
|
10.a
|
Emergency Services via 115 Emergency Center
|
|
10.b
|
Other Emergency Services
|
VND 15,000,000 per policy year
|
11
|
Dialysis Costs
|
VND 250,000,000 per policy year
|
12
|
Post-Treatment Care Benefit
|
VND 1,500,000 per day
|
13
|
Reconstructive Surgery for Cancer
|
VND 25,000,000 per surgery
|
14
|
Palliative Care
|
VND 60,000,000 for the entire duration of participation in the product
|
II. GENERAL INFORMATION CUSTOMERS SHOULD NOTE
Entry Age: From 18 years old to 50 years old.
Policy Term: 1 year from the effective date, renewable up to 2 times. Each renewal term is 1 year from the renewal date.
Premium Payment Term: Equal to the policy term.
Premium Payment Frequency: Monthly or annually.
Waiting Period: 90 days from the policy's effective date (not applicable in the case of accidents).
III. EXCLUSIONS
Chubb Life will not pay insurance benefits if the insured event occurs under the following circumstances or due to any of the following reasons:
- Treatment for alcohol addiction, drug addiction, or addiction to other substances, and/or the consequences of such conditions.
- Use of unproven treatments, services, or medical supplies; use of drugs/cosmetics/stem cell therapies not approved by competent authorities in Vietnam; or use of non-Western medicine treatments, traditional medicine, or alternative therapies.
- Any pre-existing conditions or complications arising from pre-existing conditions.
- Any condition directly or indirectly caused by or related to sexually transmitted diseases.
- Treatment for sexually transmitted diseases or sexual issues, including impotence, gender-related issues, or gender reassignment.
- Use of narcotics, stimulants, or addictive substances by the Insured Person, or abuse of drugs and/or alcohol by the Life Assured.
- Mental disorders, psychological disorders, behavioral issues, or personality disorders of the Life Assured.
- Any congenital or hereditary disorders or birth defects.
- Treatment for obesity, weight control programs, or weight-loss surgery.
- Other exclusions as detailed in Article 2 of the Terms, Conditions, and Provisions of the “Bảo hiểm Sức khỏe +” product.