Comprehensive Healthcare Insurance

Introduction

Comprehensive Health Insurance, provided by Techcom Insurance (TCGIns) and distributed through Techcombank, delivers comprehensive health protection for you and your family. Covering eligible medical expenses such as inpatient and outpatient care, maternity, and dental treatment, the plan helps reduce healthcare-related financial concerns. Enjoy the freedom to access quality medical care at leading private hospitals, non-public healthcare facilities, or premium service units of public hospitals, so you can focus on living well while protecting what matters most.

Outstanding advantages

Comprehensive and enhanced coverage

Covers actual medical expenses incurred for inpatient treatment, outpatient treatment, maternity care, and dental care.
No limit on the number of outpatient visits or dental consultations.
No sub-limit applies to maternity benefits

Competitive insurance premiums

Fixed premiums regardless of age, with no premium increases due to age progression.
Children may be enrolled independently without being covered together with their parents.
Enjoy an instant 5% family discount when enrolling three (3) or more family members under the policy.

Simple and convenient enrollment process

Purchase the policy directly through the Techcombank Mobile app
No health or financial underwriting is required

Easy access and hassle-free Claims

Access to a network of more than 500 healthcare providers offering direct billing services.
100% online claims submission and reimbursement process, with no requirement to submit original documents for claims under VND 30 million.

General information

Eligibility criterias

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Available to individuals aged 1 to 60, with annual renewal available up to age 65.
Open to Vietnamese citizens and expatriates residing in Vietnam.
Children can be enrolled independently, without requiring coverage under a parent’s policy.
Applicants must not suffer from mental disorders, leprosy, cancer, or certain serious chronic conditions (*).
Applicants must not have permanent disabilities exceeding 50%.
Applicants must not be undergoing inpatient treatment for illness or injury at the time of enrollment.
For children aged 1 to under 6 years, an 80/20 co-insurance arrangement applies.

(*) For the list of serious chronic conditions, please refer to the Frequently Asked Questions (FAQ) section.

Geographical scope

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Vietnam

Waiting period

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The following waiting periods apply under the policy:

No waiting period for claims arising from an accident.
30 days for claims resulting from a common illness and the following respiratory conditions: pneumonia, bronchitis, bronchiolitis, and otitis media.
60 days for claims arising from pregnancy-related complications.
90 days for claims resulting from Specified Illnesses and Chronic Illnesses (*).
365 days for claims resulting from Pre-existing Conditions (*) and for Maternity Benefits.

(*) For the definitions of Pre-existing Conditions, Chronic Illnesses, and the list of Specified Illnesses, please refer to the Insurance Policy Terms and Conditions.

Insurance plans

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No.	PROGRAM GROUP	AN TÂM	AN KHANG	AN THỊNH	AN PHÚC	AN VƯỢNG
MAIN INSURANCE BENEFITS (VND)
1	Death or permanent total disability due to accident or illness	60,000,000	100,000,000	200,000,000	300,000,000	500,000,000
2	Inpatient treatment due to illness and accident	60,000,000	100,000,000	200,000,000	300,000,000	500,000,000
2.1	Special care expenses (treatment costs in ICU, HDU, CCU special care units)	Not applicable	3,750,000	15,000,000	15,000,000	25,000,000
2.2	Inpatient cost per day (maximum 100 days/year) (medically necessary expenses prescribed by a physician – including room and board charges)	3,000,000	5,000,000	10,000,000	13,500,000	17,500,000
2.3	Pre-hospitalization treatment costs (per year)	2,200,000	2,500,000	4,000,000	5,500,000	7,500,000
2.4	Post-hospitalization treatment costs (per year)	2,200,000	2,500,000	4,000,000	5,500,000	7,500,000
2.3	Surgical costs / year (Including day surgery cost limit)	60,000,000	100,000,000	200,000,000	300,000,000	500,000,000
2.4	Day surgery costs	5,500,000	6,875,000	12,000,000	17,000,000	25,000,000
2.5	Organ transplant surgery (lifetime limit)	Not applicable	12,500,000	55,000,000	85,000,000	125,000,000
2.6	Emergency treatment (urgent care)	8,200,000	11,000,000	16,800,000	22,000,000	30,000,000
2.7	Emergency dental treatment due to accident	8,200,000	11,000,000	16,800,000	22,000,000	30,000,000
2.8	Emergency maternity treatment due to accident	8,200,000	11,000,000	16,800,000	22,000,000	30,000,000
2.9	Funeral expenses	2,500,000	3,125,000	4,500,000	5,500,000	7,500,000
2.10	Daily hospital cash benefit – maximum 100 nights/year	93,000	135,000	180,000	210,000	250,000
2.11	Hospital guarantee of payment – Inpatient	✔	✔	✔	✔	✔
	Premium – Core benefits	1,480,000	2,250,000	3,460,000	4,800,000	6,260,000
OPTIONAL BENEFITS (VND)
3	Outpatient treatment benefits for illness, disease, and accident (annual)	10,000,000	12,500,000	15,000,000	20,000,000	25,000,000
3.1	Maximum limit per outpatient visit	1,200,000	1,500,000	1,800,000	2,400,000	3,000,000
3.2	Hospital guarantee of payment – Outpatient			✔	✔	✔
	Premium – Outpatient	1,040,000	1,215,000	1,620,000	2,290,000	3,040,000
4	Dental care (annual)	1,400,000	2,500,000	2,750,000	5,000,000	6,250,000
4.1	Limit per dental treatment, including: - Dental scaling - Tooth fillings using conventional materials such as amalgam/composite… - Tooth extraction due to pathological causes such as decay/gum coverage/impaction/root issues… - Apicectomy surgery; removal of dental calculus; - Root canal treatment - Gingivitis, periodontitis	560,000	1,000,000	1,100,000	2,000,000	2,500,000
4.2	Hospital cash benefit – Dental			✔	✔	✔
	Insurance premium – Dental	540,000	760,000	850,000	1,265,000	1,585,000
5	Maternity (per year): ▪ Childbirth (Normal delivery/Cesarean section/Difficult delivery); ▪ Maternity complications; ▪ Routine prenatal check-ups/antenatal examinations; ▪ Newborn care No sub-limit applies to Maternity Benefits	Not applicable	10,000,000	20,000,000	30,000,000	40,000,000
5.1	Guarantee of Payment – Maternity		✔	✔	✔	✔
	Insurance Premium – Maternity		1,755,000	3,290,000	5,590,000	6,410,000

Policy Wording and Tems & Conditions

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FAQ

Why is Comprehensive Healthcare Insurance the right choice for you and your family

Comprehensive Healthcare Insurance is an all-in-one solution designed to safeguard your health and provide financial protection for you and your loved ones. Enjoy a wide range of outstanding benefits, including:

1. Comprehensive protection

- Coverage for medical expenses arising from illness, disease, or accidental injuries.

- Flexible options to enroll in inpatient, outpatient, dental and maternity benefits with coverage limits tailored to your needs.

- High protection limits of up to VND 500 million.

2. Greater peace of mind during treatment

- No room-and-board limit for standard hospital accommodations (excluding private suites and VIP rooms).

- Unlimited outpatient and dental visits throughout the policy term.

- Simplified coverage with no multiple waiting periods applied to different benefits.

3. Premium healthcare services

- Access to a nationwide direct billing network of more than 500 healthcare facilities across all 63 provinces and cities, including both public and private hospitals.

- Convenient online claims submission with no requirement to provide original documents for claims under VND 30 million.

4. Affordable and transparent pricing

- Competitive insurance premiums with fixed rates for each plan, regardless of age.

- Children can be enrolled independently, without requiring coverage under a parent’s policy.

- Premiums starting from as little as VND 4,000 per day.

Do I need a medical examination before purchasing the insurance plan?

No. The Comprehensive Healthcare Insurance plan does not require a medical examination prior to enrollment, making the application process simple, convenient, and accessible for eligible customers.

If I have already received medical treatment and used my Social Health Insurance (SHI), will the remaining expenses be covered under this plan?

Yes. The insurance company will reimburse eligible medical expenses that are not covered by the SHI, provided that such expenses fall within the policy coverage and do not exceed the applicable benefit limits.

Example:

If the total treatment cost is VND 10,000,000, and the SHI covers VND 6,000,000, the remaining amount is VND 4,000,000. If this balance includes VND 1,000,000 of non-medical expenses, such as costs incurred by an accompanying family member, the eligible reimbursable amount will be VND 3,000,000.

In this case, the insurance company will reimburse VND 3,000,000 to the insured person, subject to the submission of complete and valid invoices and supporting documents relating to the treatment.

Is physiotherapy treatment covered under the insurance plan?

Yes. Physiotherapy expenses are covered under the policy. Covered physiotherapy treatments include radiation therapy, heat therapy, and light therapy when prescribed by a licensed physician. Please note that other forms of physiotherapy not specifically mentioned above are not covered.

Are all diagnostic tests, endoscopic procedures, and imaging examinations prescribed by a doctor covered by the insurance plan?

Insurance coverage for diagnostic tests, endoscopic procedures, and imaging examinations is subject to review and approval by the insurer. These expenses may be covered provided that all of the following conditions are met:

- The test or examination is prescribed by a licensed physician.

- The results indicate an abnormal finding.

- The test or examination is directly related to the diagnosis of a medical condition.

- A confirmed diagnosis and an appropriate treatment plan are established based on the results.

Can customers choose different plan levels for the main benefits and optional benefits?

No. Customers are required to enroll in the same plan level for both the main Benefits and any optional benefits selected. The main benefits and optional benefits cannot be purchased under different plan levels.

When a claimable event occurs, does the Insured Person need to pay the medical expenses directly to the healthcare provider, or submit documents to the insurance company for reimbursement?

Customers may choose one of the following claim methods:

Option 1: Direct billing service

The Insured person can receive treatment at a participating healthcare facility without making an payment. Customers only need to complete a direct billing guarantee request form.

Option 2: Reimbursement claim

The Insured person pays the medical expenses first and subsequently submits a claim for reimbursement. Customers should retain and submit all required medical documents according to the insurer's guidelines.

Claims Contact Information: Please refer to the insurance card and insurance policy documents.

Are cosmetic dental treatments covered under the policy?

No. The insurance policy covers expenses arising from illnesses or medical conditions. Costs associated with cosmetic or aesthetic dental treatments are not covered.

In unavoidable circumstances where treatment is received at a healthcare provider not included in the direct billing network, can the customer still be reimbursed for medical expenses?

Yes, reimbursement may be considered. However, the healthcare facility and attending physician must meet the definitions and requirements stipulated in the Insurance Policy Terms and Conditions (Section 1 – Definitions) relating to Hospitals, Medical Facilities, and Physicians.

What are the serious chronic illnesses referred to under the policy?

Nervous system: Brain or spinal cord inflammation, Parkinson’s, memory loss, coma, cerebral palsy, paralysis, other nerve diseases
Respiratory system: Lung failure, collapsed lung, chronic breathing problems, chronic pneumonia
Heart and blood vessels: Stroke, hardening of arteries, heart attack
Sexually transmitted infections: Syphilis, gonorrhea, HIV/AIDS
Other serious conditions: Liver scarring, kidney failure or stones, dialysis, cancer, prostate or left adrenal tumors, leukemia, bone marrow transplant, lupus, collagen disease, tuberculosis, leprosy, Down syndrome, bone marrow failure

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