Health care and accident insurance for individuals

When you purchase a health care and accident insurance, an electronic Insurance Certificate shall be sent to you Electronic insurance certificate issued by HD Insurance has full legal validity as prescribed in Decree 52/2013/ND-CP on 16/05/2013 by Government for E-commerce. Customers can access their insurance certificate and check their insurance benefits at anytime throught https://e-certificate.hdinsurance.com.vn.

The standard term of this insurance is 1 year and will be renewed annually if you want it. In case you want to purchase insurance with an insurance term of less than 1 year, please contact HD Insurance for further advice.

You do not need to undergo any health examination except in some special cases HD Insurance may require additional information about your health status to adjust a suitable insurance contract.

You can buy online at HD Insurance’s website or contact HD Insurance directly.

In health insurance contracts, a waiting period will apply for specific benefits. During this time, insurance claim for benefits, if arise, will not be covered. The waiting period will be clearly stated in policy wordings/contract. Waiting time applies in the following cases:
• 30 days for common illnesses and diseases;
• 365 days for special diseases, chronic diseases and pre-existing diseases;
• 270 days for maternity benefits.
Waiting time does not apply in the following cases:
– Renewal insurance contract;
– Insured person suffers an accident.

No, premium will not change during the insurance period.

In addition to premium, you will not need to pay any other fees or charges to participate in insurance.

You cannot change your insurance plan during the insurance period. You can only make changes at the time of contract renewal with acceptance from HD Insurance.

If during the validity period of the insurance contract, you want to terminate the insurance contract ahead of time, you must notify HD Insurance in writing/email 30 days in advance from the date of your intentional termination. HD Insurance will refund 80% of the insurance premium corresponding to the remaining insurance period provided that no claim has arisen during the period insurance contract has been in effect.

You can choose any hospital or clinic that you want to examine or get treatment, provided that the hospital/clinic must have a legal operating license according to the law.

Hospital fee guarantee means insurance company directly pays part or all of the medical expenses for Insured Person when examined and treated at a hospital affiliated with the insurance company. Using hospital fee guarantee service also helps customers reduce the financial burden during medical examination and treatment, especially in cases where large medical expenses arise. Customers just have to pay for medical expenses that are not covered by insurance or exceed the insurance liability limit, the rest will be paid by insurance company.

To be guaranteed, you need to present your Insurance Certificate and identification documents (ID card/CCCD, passport or birth certificate for children) for using the hospital fee guarantee service.

You can contact our TPA or Claim Settlement Service listed on the Insurance Certificate for instructions on collecting insurance claim documents for each specific case.
Or, you can prefer to claim documents provision specified in Insurance Wording.

HD Insurance shall base on compensation rate to decide your renewal rate on next year, premium may be increased or decreased accordingly…

In the event of an insured event, insurance benefits are paid in the following order of priority:
– Insured person.
– Designated beneficiary.
– The Insured’s legal heir in case there is no designated Beneficiary.
– Authorized person.

You can contact HD Insurance’s Customer Care Specialist for advice or call HD Insurance’s hotline listed on the Insurance Certificate if you have any questions.
HD Insurance Hotline number 1900 068 898.

Option 1: Check your mail box where e-insurance certificate  was sent when registering for insurance.
Option 2:  Enter website: https://e-certificate.hdinsurance.com.vn/ then fill in information requested to view and/or download your insurance certificate. If you have already registered account on HD Insurance’s website, you can log in to your account to search for  your insurance certificate.
Option 3: Contact HD Insurance’s customer service center via Hotline 1900 068 898 for support.

To enjoy the best medical examination/hospital fee guarantee service, you should contact our TPA or Claim Settlement Service (kindly refer to information on the Insurance Certificate) before doing medical examination.

Please present your Electronic Insurance Certificate. There are information of Insurance Company and Hospital Fee Guarantee Service on it. The medical facility will base on those information to process procedures related.
Present ID card/ID card (for adults), Birth Certificate (for children)…, so that the Medical Facility can identify the right Insured Person on Insurance Certificate.