Newborn conceived through assisted conception / assisted pregnancy may only be eligible for cover subject to approval. If cover is accepted, they may be subject to special terms including waiting period, all other general terms, conditions and exclusions in the policy.
All the applicants within the same family (Policyholder, spouse, and children) must apply for the same plan.
We will inform you in writing:
•If we have accepted and processed your application or
•If we require further information from you or your family members to complete the underwriting assessment.
Please note if the date of the application form is more than 14 days before the start of the policy, we reserve the right to request you to confirm whether there are changes to the information you have previously provided, where the forms and details must be re-dated and re-signed to reflect the latest dates.
The start / effective date of the cover is on the day the application has been accepted by us and upon our receipt of the premium due. We will inform you when cover will commence.
If we have included any additional term(s), you must agree and confirm acceptance of these terms and premiums due have been received by us before the cover can commence.
The start / effective date of the cover cannot be backdated.
Please contact us if you move or plan to reside outside Vietnam.
We may continue your cover under some circumstances provided there is no breach of any laws, regulations, or violation of any sanctions. If cover can be continued, we will inform you we can insure you and impose any additional premium adjustment to reflect the change in residence.
If you did not inform us that you will be changing your Principal country of residence, we can refuse to pay for the benefits and proceed to cancel the policy.
If you have declared to us your pre-existing medical illnesses and conditions during your application and after our under- writing assessment, we will advise you on the terms we can offer. If there is no specific additional exclusion, we may be able to cover the declared illnesses or conditions if it does not fall under any other general exclusions and limitations as stated in the policy wordings.
However, if you do not take reasonable care and the information provided by you is inaccurate or incomplete then depend- ing on the circumstances, we may take one or more of the following actions:
•Cancel your policy
•Declare your policy void (treating your policy as if it had never existed)
•Impose different terms to your cover, or
•Refuse to pay all, part of any claim or even reduce the amount of any claim payments
We will not increase the premiums because of any of the insured persons personal claims. However, the premiums are re-calculated at renewal in accordance with the age and plans at the time you renew the policy. The premiums may be revised if there are regulatory requirements and changes.
At least 30 days before your policy expires, VBI will notify you about the upcoming renewal of the insurance policy. You can either email or call our hotline to inform us of your intention to renew the policy.
•Yes, you can change your plan at least 30 days before your policy is due for renewal. Please contact your VBI consultant to discuss the changes required in your policy prior to the policy anniversary date.
•For any plan upgrades (examples increase in plan limits, expand the area of coverage, add new options, etc.), please submit your request with a new application for the requested plan upgrade. We will require you to declare your current health and for all insured persons on any changes to be made from the initial health declaration made.
•The application will then be re-assessed and, we will advise you on the terms applicable bbefore the upgrade of the plan.
Yes, you can choose from the wide range of plans from the various annual limits and different area of coverage. For the outpatient benefits, you can choose to apply a 20% co-payment.
Please refer to the following if you are keen to apply for the insurance:
1. Visit our website at www.vbi.vietinbank.vn and indicate your interest with your personal contact details.
2. Approach our VBI’s consultants who can contact you directly. They will provide you with the information you would need and to assist with the VBI Premier Care insurance application.
Or
3. Contact us at VBI hotline at 1900 1566
•You can submit a claim to us arising from an insured event once the policy has been issued. However, some benefits are subject to a waiting period, examples Restorative dental treatment, Inpatient treatment of AIDS & HIV, Maternity, Palliative care, Hospice care, care for persistent neurological damage and Psychiatric treatment. For benefits with waiting periods, we will not pay for any claims incurred within the waiting periods.
•In addition to the waiting periods, all claims are subject to the terms, conditions, and exclusions in the policy before we can confirm that the claim is eligible.
Yes. You can choose your own medical providers or doctor, but they must be qualified and recognised by us within your chosen area of cover. The chosen treatment must be established as effective and not experimental or pioneering or surgi- cal techniques including medicines and medical advices not approved by the relevant authorities and government regula- tory board.
You can contact us to seek pre-approval before you go for the proposed treatment. We will inform you if it falls under the reasonable and customary cost and a medically necessary treatment eligible under your policy.
•Yes, you are covered in any recognised hospital located in your selected area of coverage. However, in case you visit a hospital that is not part of the Direct billing network, you may have to pay these costs and submit the claim to us.
•You can access the Direct-billing network in and outside Vietnam from our website:
- Within Vietnam: https://myvbi.vn/danh-muc-benh-vien
- Outside Vietnam: https://www.axaglobalhealthcare.com/find-VBI
•You can submit your claims request and documents through either of the following channel:
1. Download MyVBI App on App Store / Google Play and register for an account. Submit your request and upload the docu- ments via MyVBI application or
2. Send your completed claim form, tax invoices, medical documents and reports including the contact person and doctor’s details directly to us at VBI Claims Department : 4th floor, ICON 4 Building. No. 243A De La Thanh, Dong Da District, Hanoi City •For detailed instructions on Claims Procedures and submission, please refer to the Documents of Claiming guidance
for VBI Premier Care plan.
•Yes, if you visit a hospital that is in the direct billing network, we will settle the costs directly to the hospital for an eligible medical condition and treatment, up to the limits covered by your plan.
•You will be able to enjoy the direct billing facility which includes more than 270 hospitals in Vietnam, and more than one million medical providers worldwide through AXA Global network.
•No, your VBI Premier Care plan provides cover only for a standard private room up to its actual costs. Please refer to the Table of Benefits for your specific hospital room & board entitlement.
•Should you choose to upgrade your hospital room & board type (example from a standard single private room to a deluxe room), you will have to self-pay for the difference for all increased costs.