Hong Ngoc Insurance - Hong Ngoc Hospital

Introduction

Living in a constantly changing world with various types of risks requires us to carefully care for health and build our financial plan in advance. We understand that medical services’ costs are often high and sometimes extremely hard to be afford if we do not have some coverage. Health insurance is a great solution that allows you to set up a plan of medical care with numerous benefits.

On this basis, Hong Ngoc General Hospital is offering customers Hong Ngoc Insurance, making sure that you and your family would enjoy high-quality medical care at a 5-star hospital at minimal costs. The hospital’s experienced team of doctors, together with world-class facilities and equipment ensure your choice of insurance most valuable.

Subjects and Insurance policy

Subjects: Hong Ngoc Insurance is available for all Vietnamese people and foreigners living, studying or working in Vietnam, between the age of 1 and 65 years old.

Excluded cases:

People with any neurological or cancer diseases
People whose permanent disability is over 50%

The insurance contract could be renewed over the years by the agreement between Hong Ngoc hospital and customers.

The contract will be ended without reinsurance when you reach the age of 65.

Territorial limit: Vietnam

Waiting period is defined as the period of time specified which must pass before some or all of your health care coverage can begin. The Hong Ngoc Insurance’s waiting periods are as follow:

30 days for accident cases;
30 days for common illness;
30 days for dental treatment;
12 months for maternity services;
12 months for special diseases and pre-existing conditions;
24 months for cancer treatment.

(The renewed insurance contracts take effect right after insured individuals pay for the next year.)

* Special diseases include cancer diseases, tumors, blood pressure, cardiovascular, gastric ulcer, chronic polyarthritis, ulcerative colitis, hepatitis, endocarditis, hemorrhoids, stones in the urinary system and bile duct, cataract, sinusitis, Parkinson’s disease, diabetes, diseases related to blood regeneration system such as dialysis, blood transfusion, dialysis.

* Pre-existing conditions are medical conditions that occurred before the insurance contract went into effect. The pre-existing conditions could be diseases/ injuries that the insured has or treated for recent 3 years or been recognized. Pre-existing conditions include, but not limited to: Tonsillitis that needs removing, V.A inflammation that needs removing, nasal septal that needs surgery, vestibular disorders, asthma, vertebral decompensation, otitis media with ear tube surgery, osteoarthritis, disc herniation, ligament surgery.

Table of benefits

I- ACCIDENT INSURANCE
Coverage: The accident insurance covers death/permanent disablement, medical expenses caused by accidents.
Insurance benefits
The insured amount is the coverage limit for each insured person for all accidents occurring during the term of the policy
Section	Protection plan
Section	Kid 1	Kid 2	Adult 1	Adult 2	Adult 3	VIP
1. Death/ Total permanent disablement	50,000,000	50,000,000	50,000,000	100,000,000	100,000,000	100,000,000
Death/ Total permanent disablement	50,000,000	50,000,000	50,000,000	100,000,000	100,000,000	100,000,000
Partial permanent disablement	50,000,000	50,000,000	50,000,000	100,000,000	100,000,000	100,000,000
2. Medical expenses/ year
Incurred medical expenses of examinations, tests, imaging diagnosis and/or treatment costs according to doctors’ direction for the accident, including emergency transportation (excluded airline transportation and SOS services)	50,000,000	50,000,000	50,000,000	100,000,000	100,000,000	100,000,000
II – HEALTH INSURANCE
Coinsurance of 20% is applied for all conditions/benefits at all hospitals for following groups of diseases: respiratory (ear, nose and throat), digestive, gastric, and musculoskeletal. (the health insurance will pay 20% of the charge according to the insurance coverage)
Coverage: The insurance covers actual medical expenses or compensation for death/ permanent disablement caused by illness, diseases, or maternity conditions occurring during the insurance period.
Insurance Benefits (VND)
1. Inpatient treatment	Kid 1	Kid 2	Adult 1	Adult 2	Adult 3	VIP
Limit of coverage/year	42,000,000	63,000,000	63,000,000	105,000,000	120,000,000	200,000,000
Limit of coverage/year	Up to 50% Insurance Cost/ disease. Unlimited number of diseases/year
Maximum hospitalization coverage/ year	42,000,000	63,000,000	63,000,000	105,000,000	120,000,000	200,000,000
1.1 Hospitalization expenses (up to 60 days/ year), include but not limited to: Room expenses (bed rate, meals provided by the hospital). Room rate is applied to standard single room (single room with lowest price at the hospital). Room for special care; Blood transfusion, intravenous injection; Drug and excipients during hospitalization; Clothing, plaster cast; X-rays, MRI, CT and PET, other diagnostic tests as directed by doctors Delivery cost Day case treatment	Up to 1,000,000/day Up to 45 days/year	Up to 2,000,000/day Up to 45 days/year	Up to 2,000,000/day Up to 45 days/year	Up to 3,000,000/day Up to 45 days/year	Up to 3,500,000/day Up to 45 days/year	Up to 5,000,000/day Up to 45 days/year
1.2 Surgical expenses consisting of inpatient, day-case and outpatient surgery include but not limited to: Surgical cost Consumable supplies Consultation Anesthesia Diagnosis before surgery Resuscitation after surgery Organ transplantation Re-surgery	21,000,000	31,500,000	31,500,000	52,500,000	60,000,000	100,000,000
Annual limit of coverage for other expenses	21,000,000	31,500,000	31,500,000	52,500,000	60,000,000	100,000,000
1.3 Emergency transportation costs (only for the hospital/clinic’s services or 115 services). Limited coverage/ year	2,000,000	3,000,000	3,000,000	4,000,000	5,000,000	8,000,000
1.4 Treatment expenses at emergency room	21,000,000	31,500,000	31,500,000	52,500,000	60,000,000	100,000,000
1.5 Pre-hospitalization expenses (within prior to hospital admission). Limited coverage/year	1,610,000	2,310,000	2,310,000	3,150,000	4,200,000	6,300,000
1.6 Post-hospitalization treatment (30 days after hospital discharge) Limited coverage/ year	1,610,000	2,310,000	2,310,000	3,150,000	4,200,000	6,300,000
1.7 Home nursing right after hospital discharge (maximum 15 days/year)	1,290,000	1,890,000	1,890,000	2,100,000	2,300,000	2,500,000
2. Outpatient treatment including basic dental care & pregnancy complications	Kid 1	Kid 2	Adult 1	Adult 2	Adult 3	VIP
*Limit of coverage/year*	*5,500,000*	*6,300,00*	*6,300,000*	*10,500,000*	*11,500,000*	*16,800,000*
2.1 Examination costs. Limited amount/ time Prescription drug Costs of testing, x-rays, and necessary nuclear treatment for diagnosis and further treatment	800,000	1,000,000	1,000,000	1,200,000	1,300,000	2,000,000
	Up to 10 times/ years
2.2 Reasonable and necessary physical therapy directed by doctors and performed at the hospital. Limited amount/ year. Up to 60 times/ year.	80,000	100,000	100,000	120,000	150,000	200,000
2.3 Basic dental care. Limited amount/ year, covering expenses for: Examination and diagnosis X-rays Treatments of gingivitis, periodontitis Normal dental fillings (amalgam, composite, fuji or other materials at the same prices) Tooth pulp treatment Tooth extraction without surgeon, root canals, oral tumor removal, apicetomy	800,000	1,000,000	1,000,000	1,200,000	1,500,000	2,000,000
3. Maternity Care Benefits	Kid 1	Kid 2	Adult 1	Adult 2	Adult 3	VIP
Complications of pregnancy Normal delivery & C-section (exclude regular pregnancy examination)			12,600,000	18,900,000	21,600,000	24,600,000
					Incurred expenses
4. Death/Permanent Disablement due to illness, disease, maternity	Kid 1	Kid 2	Adult 1	Adult 2	Adult 3	VIP
Death/Total permanent disablement	50,000,000	50,000,000	50,000,000	100,000,000	100,000,000	100,000,000
Partial permanent disablement	According to the Disability rate table, up to 100% of insurance cost

Insurance packages and rates

Protection plan		Insurance rate (VND/person/year)
		Vietnamese		Foreigner
		Maternity Benefits Excluded	Maternity Benefits Included	Maternity Benefits Excluded	Maternity Benefits Included
Kid 1	Individual Health Plan	5,112,000		6,438,000
	With mother or father	4,230,000		5,289,000
	With parents	3,788,000		4,715,000
Kid 2	Individual Health Plan	8,604,000		10,976,000
	With mother or father	7,033,000		8,933,000
	With parents	6,247,000		7,911,000
Adult 1		5,748,000	8,286,000	7,172,000	10,471,000
Adult 2		9,478,000	12,211,000	12,021,000	15,574,000
Adult 3		9,955,000	12,492,000	12,461,000	15,940,000
VIP		10,564,000	13,867,000	13,434,000	17,727,000