Song An Health Insurance

No. A pre-enrollment medical check-up is not required. However, the policyholder must provide truthful and complete health disclosures in the insurance application.
Failure to disclose accurately may result in claim denial or policy cancellation.

📌 Scenario: Mr. A was treated for thyroid cancer in 2023. His current condition is stable and he only undergoes periodic check-ups without requiring medication.
→ Mr. A is not eligible to enroll in this product due to a medical history of one of the conditions listed in the health declaration questionnaire, including: mental disorders, leprosy, cancer, heart failure/liver failure, chronic obstructive pulmonary disease (COPD), Alzheimer’s disease, stroke, type 2 diabetes, and Parkinson’s disease.

Yes. The waiting period applies from the policy effective date:

• Accidents: 0 days (immediate coverage)
• Common illnesses: 30 days
• Critical illnesses (e.g. cancer, cardiovascular diseases, stroke): 90 days
  

During the waiting period, if any related event occurs (including expenses incurred or consequences arising from a risk that extends beyond the waiting period), no benefits will be payable under the policy

📌 Scenario: Mr. B purchased the insurance on March 1. On March 28, he was hospitalized due to stomach pain and remained hospitalized until April 4.
Since the admission date fell within the 30-day waiting period, all treatment expenses incurred during this hospitalization are not covered under the policy.

A pre-existing condition refers to any illness or injury of the Insured Person that:

• has shown signs or symptoms within 24 months prior to the policy effective date, or
• has been diagnosed or treated by a physician before the policy effective date.
  

The following are also considered pre-existing conditions, including but not limited to: tonsillitis requiring tonsillectomy, adenoid hypertrophy requiring surgery, deviated nasal septum requiring surgery, vestibular disorders, degenerative joint/disc/spinal conditions, natural degeneration, otitis media requiring surgery, herniated disc, and asthma.
Pre-existing conditions are excluded from coverage and will not be reimbursed under the policy.

📌 Scenario: Ms. C has had gastritis since 2025. When she is hospitalized for gastritis, the insurer is entitled to reject the claim as this is considered a pre-existing condition under the policy.

The main exclusions of the product include:

• Pre-existing conditions as defined in the policy
• Certain medical conditions, including but not limited to: tonsillitis requiring tonsillectomy, adenoid hypertrophy requiring surgery, deviated nasal septum requiring surgery, vestibular disorders, degenerative joint/disc/spinal conditions, natural degeneration, otitis media requiring surgery, herniated disc, and asthma
• Routine health check-ups and screenings without treatment
• Cosmetic treatment, aesthetic procedures, or reconstructive surgery
• Maternity expenses and dental treatment (except accident-related dental treatment)
• Outpatient treatment expenses
• Violations of traffic laws
• Cases where Social Health Insurance (SHI) is not utilized
• Costs not covered by SHI in the itemized bill (applicable in out-of-network SHI cases)
• Medical devices or implants introduced into the body to support bodily functions or for treatment/surgery (except for accident-related injuries), including but not limited to: heart valves, plates, screws, fixation devices, pacemakers, etc.
• External medical aids used to support mobility or bodily functions, including but not limited to: crutches, wheelchairs, walkers, hearing aids, eyeglasses, cardiac support devices, etc.
• Cosmetic prosthetic and orthotic devices
• Other exclusions as specified in the policy wording

No. The policy covers only expenses incurred during hospitalization.
Any outpatient expenses incurred before admission or after discharge are not covered under the policy.

Song An Health Insurance only provides reimbursement after the Social Health Insurance (SHI) has paid a portion of the claim.
If you forget to present your SHI card, after discharge you should:

• Step 1: Submit a reimbursement claim directly to the SHI authority
• Step 2: After receiving the SHI settlement documents, submit the full set of documents (including SHI documents) to Techcom Insurance to claim the remaining eligible expenses
  

Note: Ensure that you retain all original invoices and supporting documents from the hospital. For further assistance, please contact the Techcom Insurance hotline at 1900 99 66 96.

Yes, but the reimbursement amount will be adjusted based on the applicable out-of-network SHI benefit ratio:

• Principle: The Song An Health Insurance reimburses in accordance with the SHI benefit ratio applicable to the insured.
• Formula:
  • Reimbursable medical expenses = Remaining eligible expenses × Out-of-network SHI benefit ratio
  • Reimbursable drug expenses = 50% × Remaining eligible expenses × Out-of-network SHI benefit ratio
    
• Note: In out-of-network treatment cases, Techcom Insurance will not reimburse any expenses listed in the itemized bill that are not covered by SHI.
  

In-network (SHI-compliant cases):

• Medical examination and treatment at the initial registered healthcare facility (as indicated on the SHI card)
• Referral from a lower-level facility to a higher-level facility with a valid referral letter
• Emergency treatment at any healthcare facility (considered in-network)
• Treatment at commune-level or provincial-level public hospitals
  

Out-of-network:

• Inpatient treatment at provincial or central hospitals without a valid referral letter.

Song An Health Insurance applies at all legally licensed public healthcare facilities in Vietnam, including: Public hospitals from district level to central level (including service wards and private-care departments within public hospitals)
Important note: The insured must participate in Social Health Insurance (SHI) and have SHI pay a portion of the medical expenses first at the treatment facility.

The policy covers inpatient room and board charges in a standard room and/or Intensive Care Unit (ICU), including medically necessary nursing care provided by a qualified nurse.
A standard room refers to a general ward or a requested service room, excluding premium service fees and full-room occupancy charges. For requested service rooms, reimbursement is capped at the official rate of a 4-bed service room in accordance with the Ministry of Health’s pricing framework.
In cases where the insured stays in a double room upon request due to the unavailability of a 4-bed service room, the expense remains eligible for reimbursement. However, the payable amount will not exceed the capped rate of a 4-bed service room.

Not covered, as the product only applies to treatment expenses incurred at public hospitals.
In cases where the insured initially registers their SHI with a private hospital, they may seek treatment at a public hospital of equivalent level or be referred to a higher-level public hospital, and such treatment will then be eligible for reimbursement under this policy.

Not covered, as the product only provides benefits for inpatient treatment at public hospitals.

In cases where a customer holds both Song An Health Insurance and Comprehensive Health Insurance, the optimal claim sequence to maximize benefits is:
(1) Social Health Insurance (SHI) → (2) Song An Health Insurance → (3) Comprehensive Health Insurance.

📌 Scenario: The customer had an accident, resulting in an anterior cruciate ligament (ACL) injury of the knee. The treatment was received at an in-network facility, with total medical expenses of 118,982,933 VND. The customer has Vietnam State Health Insurance (SHI) and also purchased a Song An Health Insurance plan and a Comprehensive Healthcare Insurance plan (An Khang package) from Techcom Insurance. Details are as follows:

• SHI payment: 49,972,832 VND
• Song An Insurance payment (covering co-payment with SHI, room cost differences between actual charges and regulated rates, inpatient costs, 50% of covered medication expenses, and some costs not covered by SHI): 46,403,344 VND
• Comprehensive Healthcare Insurance payment (covering differences in service room charges, outpatient treatment costs, and medication expenses): 19,037,269 VND
• Out-of-pocket payment by the customer: 3,569,488 VND
  

No. At any given time, each Insured Person is allowed to hold a maximum of one Song An Health Insurance policy (except in cases where the customer is eligible for a complimentary policy under promotional programs from time to time).
If the customer wishes to increase their coverage limit, they may wait until the renewal period and select a higher benefit plan.
Note: When upgrading to a higher plan at renewal, the increased portion of benefits will be subject to a new waiting period starting from the renewal date.

The renewal premium is calculated based on:

• The insured’s age at entry
• The selected benefit plan (coverage limits and scope of benefits)

Renewal premium: The premium may change due to age progression and periodic premium adjustments by the insurer. Customers will be notified in advance prior to renewal.

You should proceed with treatment as usual and collect all valid medical documents and invoices to submit a reimbursement claim.

Customers may contact Techcom Insurance via:

• Hotline: 1900 99 66 96 (ext. 3)
• Email: boithuongsuckhoe@tcgi.com.vn
  

Customers may contact Techcom Insurance for clarification and support via:

• Hotline: 1900 99 66 96 (ext. 3)
• Email: boithuongsuckhoe@tcgi.com.vn
• In addition, for cashless (guarantee of payment) cases, customers may select “Disagree” with the proposed settlement on the IVIE – Bac si oi App.

If the deadline for submitting additional documents has passed and the customer has not provided the required documents, Techcom Insurance will assess the claim based on the documents actually submitted.
If the submitted documents are insufficient for claim assessment, Techcom Insurance reserves the right to temporarily close the claim file.

A valid certified copy refers to:

• A copy that has been notarized or certified by a healthcare provider, or
• A copy that has been verified against the original by the receiving officer/claims officer, with confirmation signature on the copy
  (as specified in the policy terms and claims documentation guidelines).
  

Yes

Yes.

• For claims below VND 30 million: Electronic copies (clear photos or scans) can be submitted via the IVIE – Bac si oi App or email at boithuongsuckhoe@tcgi.com.vn
• For claims from VND 30 million and above: Original documents must be submitted via postal service or in person.
  

Yes. Reimbursement claims can be submitted through the following channels:
1. Online submission via the IVIE – Bac si oi App
2. Email submission to: boithuongsuckhoe@tcgi.com.vn
3. Postal service or direct submission at Techcom Insurance office: 33rd Floor, C5 D’Capitale, 119 Tran Duy Hung, Yen Hoa, Hanoi.

Within 01 year from the date of the insured event (i.e., the date of discharge or completion of treatment), except in cases of force majeure.
Recommendation: Claims should be submitted as early as possible to ensure timely processing.

Yes. Claims can be submitted and processed for each hospitalization/treatment episode.

• Each treatment episode must be submitted as a separate claim after completion of that episode. Customers are required to provide valid invoices and a hospital discharge summary or treatment confirmation (if no discharge document is issued).
  
• The aggregate reimbursement for all claims shall not exceed the annual policy limit.
  

📌 Scenario: Mr. H undergoes cancer treatment through three chemotherapy cycles within the year. Each cycle involves a separate admission and discharge, therefore three separate claim dossiers must be submitted. The total accumulated reimbursement will not exceed the annual policy limit.