Critical illness insurance
Every year, hundreds of thousands of Vietnamese people are diagnosed with critical illnesses such as cancer, stroke and kidney failure. These life-threatening diseases have become more common and they can happen to anyone. Recent advances in medical science and treatment, a dread disease does not mean the end. If detected early, critical illnesses are curable and patients can soon get back to their normal life.
DETAILS
Critical illness insurance offered by Post and Telecommunication Joint Stock Insurance Corporation is the FIRST insurance product of its kind in the domestic non-life insurance market. With this insurance, treatment will become more affordable and you and your family will be financially protected.
Insurance Benefits
Key features::
- 1: Immediate coverage for five common dread diseases
- 2: Protection against 14 critical diseases
- 3: Payment of the Sum Insured in full
- 4: Wide age range: From 1 to 60 years old
- 5: Low cost
Insurance Benefits
Critical illnesses covered by this insurance:For each year the policy is renewed, one (1) more critical illness will be added to the list of life-threatening diseases covered by this insurance. In particular:
- 1: Myocardial infarction for the first time
- 2: Stroke
- 3: Cancer
- 4: Kidney failure
- 5: Permanent paralysis of limbs
For each year the policy is renewed, one (1) more critical illness will be added to the list of life-threatening diseases covered by this insurance. In particular:
- 1st renewal year: Benign (non-cancerous) brain tumor
- 2nd renewal year: Coronary artery bypass surgery
- 3rd renewal year: Organ transplantation
- 4th renewal year: Multiple sclerosis
- 5th renewal year: Aortic valve surgery
- 6th renewal year: Pulmonary hypertension
- 7th renewal year: Heart valve replacement
- 8th renewal year: Parkinson’s disease
- 9th renewal year: End-stage liver disease
Sum Insured
- Option 1: VND110,000,000/person/year
- Option 2: VND220,000,000/person/year
- Option 3: VND330,000,000 /person/year
Scope of Coverage
In case the Insured Person suffers from a critical illness during the period of insurance, the Sum Insured specified in the policy shall be paid in full, provided that:
a. The Insured Person is diagnosed with such critical illness for the first time by the physician
b. The insured person is still alive for at least 30 days from the date of the diagnosis.
The policy shall be terminated after the Insured Person receives the amount payable and the policy is not renewed for the following years.
Premium
The premium payable shall be based on the age of the Insured Person and the Sum Insured selected. For more details, please see the following table
AGE | SUM INSURED: VND110 MLN | SUM INSURED: VND220 MLN | SUM INSURED: VND330 MLN |
01-18 | 150,000 | 290,000 | 450,000 |
19 - 25 | 200,000 | 390,000 | 600,000 |
26 - 30 | 260,000 | 510,000 | 750,000 |
31 - 35 | 390,000 | 760,000 | 1,200,000 |
36 - 40 | 600,000 | 1,200,000 | 1,800,000 |
41 - 45 | 860,000 | 1,700,000 | 2,700,000 |
46 - 50 | 1,100,000 | 2,200,000 | 3,500,000 |
51 - 55 | 1,500,000 | 3,000,000 | 4,650,000 |
55 - 60 | 2,000,000 | 4,000,000 | 6,100,000 |
61 - 65 | 2,800,000 | 5,500,000 | 8,000,000 |
CUSTOMER SERVICE
