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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.
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BASIC
DOMESTIC
Insurance age ranges from 18 to 65 years old
Guarantees hospital fees at more than 200 hospitals and clinics nationwide
Appropriate and diverse level of benefits according to choice
No health check required when participating in insurance
Simple and quick insurance application procedures
24/7 consulting and claims guidance service
Fast, streamlined, and accurate claims settlement
Health care and accident insurance for individuals
Proactively protect yourself and those you love with a health care and accident insurance plan. Accident and health care insurance plan is a great choice with outstanding incentives, along with additional rights. Outstanding insurance benefits. Timely payment of insurance benefits. Let HDI be a solid financial support, protecting you and your loved ones.
| Đối tượng tham gia bảo hiểm: | All Vietnamese citizens or foreigners living legally in Vietnam from 18 to 65 years old |
| Thời hạn bảo hiểm: | |
| Hình thức hợp đồng: | Electronic Insurance Certificate |
| Quy tắc, điều khoản bảo hiểm: |
Health care and accident insurance for individuals
Proactively protect yourself and those you love with a health care and accident insurance plan. Accident and health care insurance plan is a great choice with outstanding incentives, along with additional rights. Outstanding insurance benefits. Timely payment of insurance benefits. Let HDI be a solid financial support, protecting you and your loved ones.
Outstanding benefits, preferential fees
Outstanding benefits, preferential premiums – basic insurance benefits up to 600 million VND, with an insurance premium of only 5.5 million VND/year.
Flexible choice of hospitals nationwide
With more than 200 members in HDI’s partner hospital network which accepts hospital fee guarantee service.
Compensation is simple and quick
Convenient and quick online claim settlement within 15 working days.
Simple, easy to understand online solution
E-Certificates, manage and renew contracts right on HDI’s website.
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Thông tin chi tiết sản phẩm
The insured
Vietnamese citizens and foreigners living, studying, working, and going business in Vietnam and are between the ages of 18 years old and 65 years old. The insured does not fall into the following cases:
- People suffering from mental illness, cancer, leprosy;
- People with permanent disability of 70% or above;
- People who are undergoing treatment for illness or injury;
Insurance benefits
a. Sick and illness insurance benefits:
- Pays entire insured amount in case of Death, total permanent disability due to illness, disease, or maternity;
- Standard hospital bed and food costs per day;
- Costs for testing, diagnostic imaging, medication costs and other reasonable costs during hospitalization due to illness or disease;
- Surgical costs, inpatient surgery, anesthesia, organ transplant costs;
- Pays part of treatment costs before hospitalization and after discharge, costs for home care nurses, and emergency transportation costs;
- Partial subsidy for funeral expenses in case of death at the hospital;
- Outpatient treatment costs include medical examination, medication, and physical therapy costs (depending on insurance plan);
- Dental costs (depending on the insurance plan chosen by the customer).
b. Accident insurance benefits:
- Pays the entire insured amount in case of death or total permanent disability;
- Permanent partial disability, paid according to List of Disability Ratio attached to the Insurance Wordings;
- Pay for medical expenses due to accidents including: Inpatient, outpatient, and same-day treatment.
- Please refer to the detailed insurance benefits of each insurance plan
Exclusions
- Intentional acts of the Insured, Policyholder or beneficiary (only excluding beneficiaries who commit violations);
- Suicide, whether mentally sane or insane;
- Examination and treatment without conclusion or final diagnosis by the treating doctor;
- Actions of the Insured Person under the influence of alcohol, beer, drugs or other stimulants;
- Treatment and/or surgery for genetic diseases, birth defects, genetic abnormalities, surgical indications that existed before the insurance start date, cosmetic surgery, etc.
Please refer to the details of other exclusions in the Insurance Wordings.
Waiting time
The waiting period is calculated from the start date of the insurance period. Insured benefits will not be paid in the following cases:
- 30 days for common illnesses and diseases; for death from common illnesses and diseases;
- 365 days for special diseases, chronic diseases, and pre-existing diseases;
- 270 days in case of maternity; for death in cases of maternity.
Waiting time does not apply in the following cases:
- Renewal insurance contract;
- The insured person has an accident.
Thông tin bồi thường
Quy trình xử lý bồi thường
1. Payment and collection
Pay medical examination and treatment costs and collect claim documents
2. Submit claim documents
Submit a claim within 30 days from the date of first medical examination and treatment
3. Claim settlement
HDI processes documents and reimburses medical examination and treatment costs within 15 working days.
Quy trình bảo lãnh
1. Choose a medical facility
Select a medical facility or hospital in HDI’s association list
2. Show your insurance certificate to checker and follow procedure instruction
Present documents to checker and sign guarantee request form (provided by medical facility)
3 Payment of extra expenses incurred
Customers may have to pay non-guaranteed costs (if any)
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Learn more about health insurance terminology
Waiting period: the time the insured needs to wait before being able to get any benefits in his insurance contract.
Hospital fee guarantee network: a system of medical facilities that have signed an agreement to provide guarantee services with insurance companies. When the insured person is examined and treated at these facilities, insurance company will do payment guarantee for expenses incurred within insurance period and subject to the limits specified in the contract/insurance certificate. Insured Person must pay for the costs exceeding limit specified in Insurance Wording and Benefits Table at the time of treatment.
Pre-existing diseases/injuries: diseases/injuries that existed before the insurance effective date.
Inpatient treatment: Is medical treatment when the Insured Person is examined and prescribed by a doctor who has completed hospitalization procedures and stays in bed for 24 hours or more.
Outpatient treatment: Is medical treatment when it is necessary for the Insured Person to be treated for illness, disease or accident at a legal medical facility without requiring inpatient or do same-day treatment.
In-day treatment: means the insured person needs to be hospitalized to treat a disease that has been diagnosed, has a treatment regimen and incurs hospital bed costs but does not stay in the hospital overnight.
Insurance buyer: Is an organization or individual who enters into an insurance contract with an insurance company and pays insurance premiums. The insurance buyer can also be the insured or the beneficiary. The insurance buyer can only buy insurance for the following people: a) The insurance buyer himself; b) Wife, husband, children, father, mother of the insurance buyer; c) Brothers, sisters, siblings, people in foster care relationships; d) Other people, if the policyholder has insurable interests.
Insured Person: An organization or individual whose life and health are covered under an insurance contract. The insured can also be the beneficiary.
Sum insured: Is an agreement determining the amount of insurance between the insurance buyer and the insurance company in an insurance contract.
