Expat-Care
 

Expat Care is a prominent product among our personal line products. It is designed follow the idea of our OTAI program, a prestige healthcare product of Tokio Marine which provide the Insured a 24-hour worldwide comprehensive coverage. Your family members can be included to be protected by the program as well.

CASHLESS SERVICE
As we deeply understand your difficult situation when facing health problems, we have eliminated all financial hinders such as bringing cash to the hospitals and/or clinics with you as long as you have treatments within the program coverage at the following address. Instead, the payment shall be settled directly by us.

 

Area Name of Hospital Address Tel
Hanoi Hanoi Family Medical Practice Van Phuc Compound, 298 I Kim Ma Road, Hanoi (84.4) 3.843-0748
Hanoi French Hospital Address 1: No. 1 Phuong Mai, Dong Da, Hanoi (84-4) 3.577-1100
Address 2: Building 24T-1, Hoang Dao Thuy St., Hanoi (84-4) 6.251-2835
Vietnam Japan Eyes Hospital 122 Trieu Viet Vuong Str., Hai Ba Trung Dist., Hanoi (84-4) 3.974-8307
Vinmec International Hospital 458 Minh Khai Str., Hai Ba Trung Dist., Hanoi (84-4) 3.974-3556
Hanoi Medical University Hospital 1 Ton That Tung Str., Dong Da Dist., Hanoi (84-4) 3.574-7350
NewLife Clinic 6 Nguyen Thi Thap Str., Cau Giay Dist., Hanoi (84-4) 6.261-6166
Ho Chi Minh Columbia Asia International Healthcare 08 Alexandre De Rhodes, Dist.1, HCMC (84-8) 3.823-8888
01 No Trang Long Str., Binh Thanh Dist., HCMC (84-8) 3.803-0678
HCM Family Medical Pratice 2 Nguyen Van Chiem Str., Dist.1, HCMC (84-8) 3.8220-7848
Fv hospital 6 Nguyen Luong Bang, Tan Phu Ward, District 7, HCMC (84-8) 3.411-3333
Lotus Clinic 22-22 Bis Le Thanh Ton Str., Ben Nghe Ward, Dist 1, HCMC (84-8) 3.827-0000
* Note: Cashless Service is no available at International SOS Hanoi, International SOS Ho Chi Minh City.

YOUR BENEFITS

  1. PRIMARY BENEFITS

    SECTION 1: PERSONAL ACCIDENT

    • Death/Total Permanent Disablement:
      We shall pay 100% of Sum Insured, which can be up to USD100,000.
    • Partial Permanent Disablement:
      We shall pay a percentage of Sum Insured as per the Table of compensation which complies with the Regulation.
    • Medical Expenses:
      We shall pay all actual and reasonable expenses including but not limited to hospital, surgical, medical, nursing fees or charges up to the Sum Insured.

    SECTION 2: HOSPITALIZATION AND SURGICAL EXPENSE
    Hospital Expense:
    The Actual Medical expenses for hospitalization is covered with limit of 60 days of treatment for one year period of insurance, including but not limited to below types:

    • accommodation with meals
    • testing
    • X-ray diagnosis
    • medicines
    • blood aid
    • oxygen and serum transmission
    • hospital clothes and daily allowance

    Operation Expenses:
    Actual Medical expenses in connection with operation and re-operation (which is not later than 90 days from the first operation) are covered including:

    • Diagnosis
    • Tranquilization
    • Restoration
    • Operation and operation - related costs
       
  2. OTHER BENEFITS

    You can enjoy the below other benefits without any additional charge:
    Out-patient treatments received from public or private hospitals or clinics operating in accordance with laws and regulations of the country in which the Insured visits

    • Doctor colsultation
    • Prescribed drugs
    • Laboratory testing, radiographic and nuclear medicine procedures used for diagnosis and treatment
    • Physiotherapy prescribed by a physical

    Emergency Medical Evacuation and Overseas Hospitalization
    Food and Drink Poisoning
    Personal Accidents to the Insured whilst riding a motorcycling

MAIN EXCEPTIONS
The following treatments, conditions, activities, items and their related expenses are excluded from the insurance and we shall not be liable for

  • Treatment or surgical operation for pre-existing diseases or injury.
  • Dental treatment, oral maxillofacial surgery unless injury is caused by accidents.
  • Mental disease and psychiatric disorders, leprosy, syphilis, gonorrhea, AIDS, malaria, occupational diseases and special diseases (such as: cancer, tumor, hypertension, stomach ulcers, hemorroids, and other diseases as listed).
  • Prostheses, corrective divices and medical appliance, as well as artificial heart implantation.
  • Injury caused by engaging in or practising any kind of sport as proffessional and dangerous sport such as parachuting, hang gliding, racing, potholing, mountaineering or rock climbing.

INSURED'S ELIGIBILITY
In order to join this insurance scheme, you need to be between the age of 1 and 65 and are not completely disabled or suffered over 50% of permanent disability.

IMPORTANT NOTICE TO INSUREDS
You must employ the services of a registered medical practitioner and undergo any treatment such pratitioner shall deem necessary.
You or anyone acting on your behalf must not make any fraudulent, false or exaggerated claims, otherwise we shall be under no obligation to make any payment under this Program.
You should read the Policy wordings carefully to fully understand your benefits and obligations.

Now it is time to send us your proposal form. If you still have a few questions, please see the claim guidelines, how to obtain your insurance policy or contact us.

Contact us for any queries you may have
Proposal Form
Claim Form
Head Office
Room 601, 6th Floor, Sun Red River Building, 23 Phan Chu Trinh, Hoan Kiem Dist.,
Hanoi, Vietnam
Tel: (84.24) 3933 0704   Fax: (84.24) 3933 0706



Branch Office
Room 3, 19th Floor, Green Power Building, 35 Ton Duc Thang, District 1,
Ho Chi Minh City, Vietnam
Tel: (84.28) 3822 1340   Fax: (84.28) 3822 1338



Copyright @ Bao Viet Tokio Marine Insurance Company Limited Website: www.baoviettokiomarine.com