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| Maximum Coverage (Unit: 1,000 VND) | Classic | Executive | Premier | |||
|---|---|---|---|---|---|---|
Individual | Family | Individual | Family | Individual | Family | |
- Personal Accident
Maximum Coverage (Unit: 1,000 VND) Classic Executive Premier Individual Family Individual Family Individual Family Accidental death or permanent disablement
As per the Contingency Percentage attached to the policy wordingAdult – 1,000,000
Child – 500,000Adult – 1,000,000
Child – 500,000Adult – 2,000,000
Child – 1,000,000Adult – 2,000,000
Child – 1,000,000Adult – 3,000,000
Child – 1,500,000Adult – 3,000.000
Child – 1,500,000- Medical Expenses
Maximum Coverage (Unit: 1,000 VND) Classic Executive Premier Individual Family Individual Family Individual Family Overseas medical expenses
Medical and hospital expenses incurred while abroad as a result of illness or injury1,000,000 1,700,000 1,600,000 2,400,000 2,400,000 3,600,000 Medical expenses incurred upon return to Vietnam
Follow-up treatment within 31 days from return date (following discharge from overseas hospital)100,000 200,000 200,000 400,000 300,000 600,000 Overseas hospital visit
Transportation cost of one relative or friend if the Insured is hospitalized for more than 5 days while overseas60,000 60,000 90,000 90,000 120,000 120,000 Additional accommodation expenses
Hotel accommodation incurred by one relative or friend if the Insured is hospitalized for more than 5 days while overseas
Aggregate limit
Daily limit
20,000
5,000
20,000
5,000
24,000
6,000
24,000
6,000
40,000
10,000
40,000
10,000Overseas compassionate visit
Transportation cost of one relative or friend to assist in the preparation of the mortal remains40,000 40,000 60,000 60,000 100,000 100,000 Child guard
Cost of returning unattended children to their home country or country of residence60,000 60,000 80,000 80,000 120,000 120,000 Hospital income benefit (overseas)
Daily cash benefit of 1,000,000 VND while hospitalized overseas16,000 16,000 20,000 20,000 50,000 50,000 Hospital income benefit (Vietnam)
Daily cash benefit of 500,000 VND while hospitalized in Vietnam immediately upon return5,000 5,000 6,000 6,000 10,000 10,000 Medical expenses for pregnancy-related sickness
As incurred24,000 24,000 30,000 30,000 60,000 60,000 24-hour medical assistance
On referral or arrangement basisAPRIL Assistance Hotline APRIL Assistance Hotline APRIL Assistance Hotline APRIL Assistance Hotline APRIL Assistance Hotline APRIL Assistance Hotline Emergency telephone expenses
Telephone charges as a result of medical emergency1,000 1,000 1,000 1,000 1,000 1,000 - Medical Evacuation
Maximum Coverage (Unit: 1.000 VND) Classic Executive Premier Individual
Family Individual Family Individual Family Emergency medical evacuation
All expenses for emergency medical evacuation coordinated by International APRIL Assistance hotline +84 28 7300 2312As incurred As incurred As incurred As incurred As incurred As incurred Repatriation of mortal remains
Transportation of mortal remains or cremation or burial at place of deathAs incurred As incurred As incurred As incurred As incurred As incurred - Liability
Maximum Coverage (Unit: 1,000 VND) Classic Executive Premier Individual
Family Individual Family Individual Family Personal liability
Protection against third party claims for bodily injury or property damage caused by Insured's negligence while overseas1,000,000 1,000,000 1,500,000 1,500,000 2,000,000 2,000,000 - Inconveniences
Maximum Coverage (Unit: 1,000 VND) Classic Executive Premier Individual
Family Individual Family Individual Family Trip cancellation/postponement
Reimbursement of the non-refundable portion of travel costs paid in advance or administrative charges incurred due to unforeseen circumstances50,000 80,000 80,000 120,000 120,000 160,000 Trip curtailment
A pro-rated amount will be paid for each complete day of the planned trip lost due to unforeseen circumstances50,000 80,000 80,000 120,000 120,000 160,000 Trip disruption
A pro-rated amount will be paid for each complete day of the planned trip lost if the Insured is hospitalised overseas for more than 5 days30,000 40,000 40,000 60,000 60,000 100,000 Travel/Flight misconnection
For each 6 full consecutive hours of delay due to flight misconnection while overseas3,000 3,000 3,000 3,000 3,000 3,000 Travel delay
Maximum 2,400,000 VND for each full 6 consecutive hours your scheduled transport is delayed while overseas12,000 12,000 12,000 12,000 12,000 12,000 Travel overbooking
Allowance for accommodation, meal and travel expenses if the Insured is unable to board the scheduled flight due to overbooking1,600 3,200 2,000 4,000 10,000 20,000 Emergency purchases
Funds for purchase of essential personal items if the Insured's baggage is stolen or permanently lost2,000 5,000 2,400 6,000 6,000 10,000 Baggage delay
Pays up to 2,400,000 VND for every 6 consecutive hours that the Insured's baggage is delayed while overseas6,000 6,000 10,000 10,000 16,000 16,000 24-hour travel assistance
On referral or arrangement basisAPRIL Assistance Hotline APRIL Assistance Hotline APRIL Assistance Hotline APRIL Assistance Hotline APRIL Assistance Hotline APRIL Assistance Hotline - Losses
Maximum Coverage (Unit: 1.000 VND) Classic Executive Premier Individual
Family Individual Family Individual Family Loss of personal money
Loss of money due to robbery, burglary, theft or natural disasters while overseas2,000 5,000 3,000 6,000 6,000 12,000 Loss of travel documents
Pays for the cost of obtaining replacement travel documents lost as well as additional travel and hotel accommodation expenses incurred while overseas24,000 24,000 24,000 24,000 24,000 24,000 Loss of or damage to baggage & personal effects
Up to 5.000.000 VND for each item or set or pair of items and up to 20.000.000 VND for a laptop computer30,000 30,000 40,000 40,000 60,000 60,000 Rental vehicle excess cover
Covers for any excess or deductible which the Insured may be required to pay for accidental loss or damage to their rental vehicle10,000 10,000 12,000 12,000 24,000 24,000 Closure of travel agent
Pays for loss of travel related expenses paid in advance as a result of financial collapse or default of the travel agent in Vietnam30,000 40,000 50,000 60,000 70,000 80,000 Home guard
Covers for loss or damage to the household contents in the Vietnam residence due to fire when left vacant during the trip20,000 20,000 30,000 30,000 60,000 60,000 - Extensions
Maximum Coverage (Unit: 1.000 VND) Classic Executive Premier Individual
Family Individual Family Individual Family Hijack benefit
Pays an allowance if the aircraft in which the Insured is traveling is hijacked for at least 12 consecutive hoursAggregate limit
Limit per 12-hour period
20,000
1,300
20,000
1,300
24,000
2,000
24,000
2,000
30,000
2,600
30,000
2,600Automatic extension
If the trip is delayed because the Insured is sick or has an accident or because the scheduled flight is delayed, the insurance policy will be automatically extended for the period of such delay7 days 7 days 7 days 7 days 7 days 7 days Disruption/Withdrawal of hotel services
Pays 1,500,000 VND for each 24-hour period in the event of disruption or withdrawal of hotel services as a result of strike or riot at the travel destination3,000 3,000 3,000 3,000 3,000 3,000
Important Information
- Travel Regions
- ASEAN: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore and Thailand
- Asia Pacific: ASEAN, China, Hongkong, Taiwan, Korea, Japan, India, Sri Lanka, Pakistan, Australia and New Zealand
- Worldwide: All countries except those under sanctions or embargoes by the United Nations, the United States of America, the European Union, and the United Kingdom
- Eligibility Criteria
- Definition of Family:
- Up to 2 adults and any number of the children departing from and returning to Vietnam at the same time
- The child(ren) must be related to either of the insured adults
- For Annual policies:
- Up to 2 adults who are legal spouses and any number of children
- The child(ren) must be accompanied by either of the insured adults in any trip during the Period of Insurance
- Children:
- Maximum 17 years old
- Adults:
- Below 70 years old:
- Covid-19 treatment expenses including emergency evacuation and repatriation: fully covered subject to fully vaccinated (2 doses) on the issuance date. No coverage of Covid-19 and related expenses if the Insured has not fully vaccinated yet (2 doses) on the issuance date.
- Non-Covid-19 medical treatment expenses: fully covered.
- PA/Liabilities/Inconveniences/Losses/Extensions: covered up to sub-limit, no-copayment/deductible.
- From 70 years old up to 80 years old:
- The evacuation and repatriation will NOT be covered because our benefit is not applied for people from 70 years old and above.
- The medical expenses/PA/Liabilities/Inconveniences/Losses/Extensions will be covered subject to: The Insured Person(s) fully Covid-19 vaccinated (02 doses) on the issuance date and has not infected Covid-19 before the inception date of the Policy; and The 50% co-payment will be applied for all medical expenses.
- This Policy will not cover for any expenses if the Overseas Trip or the activities carried out during the Overseas Trip are undertaken against medical advice of Your Doctor in Vietnam.
- Below 70 years old:
The unvaccinated child(ren) will be covered when traveling with fully Covid-19 vaccinated relatives/father/mother on the issuance date.
- Definition of Family:
- Age limit at inception
Maximum 80 years old
- Citizenship
This policy is only available to Vietnamese citizens and permanent residents of Vietnam.
- Length of trip
- For single trip travel insurance policies, the length of a trip shall not exceed 186 days
- For annual travel insurance policies, there is no limit on the number of trips during the Period of Insurance. However, the length of a trip shall not exceed 90 days
- Major Exclusions
- Any pre-existing condition or excluded illness
- Intentional self-injury, suicide or attempted suicide or insanity
- Any professional sport, racing and competitions of any kind, rock or mountain climbing involving the use of ropes or equipment, hang gliding, skydiving or parachuting
- The use of alcohol or drugs not prescribed by a medical practitioner
- HIV (Human Immunodeficiency Virus) or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative or variations or their complications
- Sexually transmitted diseases
- Contraception, miscarriage, childbirth, pregnancy, abortion or their complications
- Any expenses in respect of treatment or operation undertaken as a preventive measure, e.g. vaccination, circumcision, inoculation and the like
- Dental treatment (except necessitated by an accidental injury to sound and natural teeth)
- Need Help
- Emergency Assistance
Please call +84 28 7300 2312 for immediate assistance by APRIL Assistance. Emergency medical evacuation and repatriation will also be organized by APRIL Assistance. Covered expenses will be paid directly to APRIL Assistance by Liberty, subject to the policy terms and conditions. - Claims procedure
All claims notification/documents must be sent to Liberty within 30 days after the occurrence of any event which may give rise to a claim. Please call our 24/7 Customer Service Center One-Call 1800 599 998 for further assistance.
- Emergency Assistance
