Chubb Care provides practical financial benefits for healthcare, aiming to offer more comprehensive protection for customers.
In addition to the long-term protection and superior investment benefits of the investment link products, by participating in the Chubb Care product, customers can enjoy financial peace of mind as Chubb Life Vietnam supports healthcare expenses.
Unique Selling Points
Coverage for actual medical expenses for inpatient, outpatient, and dental treatments up to VND 1 billion.
Coverage for emergency treatment costs while abroad, allowing customers to enjoy trips with family and loved ones worry-free.
Coverage for organ transplant surgery costs for both the Life Assured and the organ donor.
Coverage for actual treatment costs for cancer and dialysis.
Cashless hospital admission with a network of over 500 hospitals and clinics nationwide, ensuring convenience and peace of mind during medical consultations and treatments.
- Competitive premiums.
To provide suitable options for customers, "Chubb Care" is designed with four healthcare programs: Silver, Gold, Platinum, and Diamond. Upon joining "Chubb Care", customers will receive an electronic health insurance card, which can be easily stored and presented during hospital or clinic procedures.
I. INSURANCE BENEFITS OF THE PRODUCT
Unit: VND
Healthcare Program
|
Silver
|
Gold
|
Platinum
|
Diamond
|
Face Amount
|
100,000,000
|
200,000,000
|
500,000,000
|
1 billion
|
Insurance Benefits
|
Maximum Benefit Limit per Policy Year
|
|||
1. Inpatient Treatment Benefit
|
100,000,000
|
200,000,000
|
500,000,000
|
1 billion
|
2. Outpatient Treatment Benefit (Optional)
|
Not Applicable
|
10,000,000
|
25,000,000
|
50,000,000
|
3. Dental Treatment Benefit (Optional, applicable only with Outpatient Treatment Benefit)
|
Not Applicable
|
2,000,000
|
5,000,000
|
10,000,000
|
Detailed information about the insurance benefits and payment conditions for Inpatient Treatment, Outpatient Treatment, and Dental Treatment Benefits is specified in the Terms and Conditions of Chubb Care product.
II. INSURANCE EXCLUSIONS
Chubb Life will not pay any of the above insurance benefits if the Life Assured is treated for illnesses or injuries caused by any of the following reasons:
- Treatment for pre-existing conditions.
- Any congenital or hereditary diseases or disorders.
- Use of medication without a doctor’s prescription, use of drugs, narcotics, stimulants, sleeping pills, sedatives, or toxins.
- HIV infection, AIDS, except for HIV infection while performing duties as a healthcare worker or law enforcement officer; sexually transmitted diseases.
- Consequences of speeding or operating/participating in the operation of vehicles while under the influence of alcohol or drugs.
- Participation in fights or brawls as recorded in police reports, or resisting arrest.
- Suicide, attempted suicide, or intentional self-inflicted injury, regardless of mental state.
- Intentional violation of the law by the Life Assured, Policyholder, or Beneficiary.
- Medical consultations/treatments related to pregnancy and/or pregnancy complications, family planning (including contraception, sterilization), impotence, infertility, artificial insemination, in-vitro fertilization, embryo transfer, premature ejaculation, and the consequences of such treatments.
- Other exclusions as detailed in Article 5 of the Terms and Conditions Chubb Care product.
III. OTHER IMPORTANT NOTES
Entry Age: From 1 month old to 65 years old.
Maximum Age at Policy Expiry: 70 years old.
Policy Term: 1 year, renewable annually.
Premium Payment Term: Equal to the Policy Term.
Waiting Period: 30 days or 90 days, depending on the illness (as specified in the Terms and Conditions).
Changing Healthcare Program: The healthcare program can be changed upon the Policyholder’s request, provided the request is submitted to Chubb Life within 30 days before the annual renewal date.