Liberty Medicare

Comprehensive medical insurance solution to groups, families and individuals. Full coverage for surgeon fee, hospital service, day case treatment. Flexible choices of insurance benefits. Reasonable premium that fits customers' need.

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Coverage limit up to VND 1B

Full coverage for hospital service, surgeon fee

Transparent, fast and fair claim procedure

Room and Board limit up to VND 4mil per day

No waiting period for special diseases

Free support 24/7 from hotline 1900 599 998

Insurance Benefit

HOSPITAL SERVICES	M2	M3	M4
OVERALL ANNUAL LIMIT
Hospital Services Overall Annual Limit	250,000,000	500,000,000	1,000,000,000
All Hospital Service Including surgeon fee, operation room, surgical appliances, investigations, nursing and hospital charges, etc	Fully covered	Fully covered	Fully covered
Room and Board Per day	1,500,000	2,500,000	4,000,000
Intensive Care Unit Per day	4,000,000	6,000,000	15,000,000
Companion Bed Per day Accompanied dependent child below 18, max 10 days per year	Not applicable	Not applicable	1,000,000
Oncology Treatment Treatment given for cancer received as an In-patient or Day-patient at the Hospital Maximum per policy year	100,000,000	250,000,000	Fully covered
Day Case Treatment Admitted to a Hospital bed but does not stay overnight Maximum per policy year	Fully covered	Fully covered	Fully covered
Local Ambulance Services The medically necessary road ambulance transportation services to and from a local Hospital	Fully covered	Fully covered	Fully covered
Organ Transplant In respect of kidney, heart, liver and bone narrow transplants Maximum per Sickness or Injury	Fully covered	Fully covered	Fully covered
Pre and Post Hospitalisation Treatment Outpatient expenses incurred within 30 days before admission and 90 days following hospital discharge Maximum per hospitalisation	8,000,000	10,000,000	20,000,000
Emergency Ward Treatment Services performed in a Hospital casualty ward or emergency room for a period of not more than 24 hours	10,000,000	15,000,000	Fully covered
Nursing at Home Maximum 182 days per policy year	Fully covered	Fully covered	Fully covered
Emergency Dental Treatment Immediately following an accident and the teeth repaired must have been sound and natural Maximum per policy year	Not applicable	20,000,000	50,000,000
AIDS/HIV Occurring during the Period of Insurance of this Policy, including the subsequent renewal year(s) and manifests itself after five years of continuous coverage under the Policy from the first Effective Date	Not applicable	Not applicable	10% of Annual Overall Limit/lifetime
Emergency Medical Evacuation/Repatriation	Fully covered	Fully covered	Fully covered
Repatriation of Mortal Remains	Fully covered	Fully covered	Fully covered
Medical/Legal information and assistance	24/7	24/7	24/7

Optional Coverage

OUTPATIENT SERVICES	O2	O3	O4
Outpatient Annual Overall Limit	15,000,000	20,000,000	30,000,000
General Outpatient Services	Fully covered	Fully covered	Fully covered
Specialist Outpatient Services	Fully covered	Fully covered	Fully covered
Laboratory and x-ray Services Upon referral	Fully covered	Fully covered	Fully covered
Prescribed Drugs Upon referral	Fully covered	Fully covered	Fully covered
Chinese Herbalist, Bonesetter & Acupuncture Limit per visit Maximum 10 visits per policy year	150,000/visit limit	200,000/visit limit	300,000/visit limit
Physiotherapy and Chiropractor Treatment Upon referral Limit per visit Maximum 15 visits per policy year	300,000/visit limit	400,000/visit limit	600,000/visit limit

DENTAL SERVICES	O2	O3	O4
(*) Available when applying together with optional outpatient and subject to 20% co-payment
Dental Overall Annual Limit	10,000,000	10,000,000	10,000,000
Routine Oral Examination Including scaling & polishing Once per year, maximum per policy year	2,000,000	2,000,000	2,000,000
Basic Dental Services Extraction, amalgam fillings, x-rays, periodontal scaling	Fully covered	Fully covered	Fully covered
Major Dental Services Removal of impacted, buried or unerupted teeth, Root Canal Treatment, Removal of Solid Odonomes, Apicectomy	Fully covered	Fully covered	Fully covered

Frequently Asked Questions

How long is the waiting period for Liberty MediCare?

Waiting period means the period of consecutive days when the benefits are not payable.

Liberty Medicare waiting period:

30 days: for all treatments (except due to accident)
365 days from the first inception date: for all treatments relating to ligaments including reconstruction of ligaments, meniscus tears, all types of cancers, diseases and disorders of musculoskeletal and joints; cardiovascular diseases and disorders

Please read the details at Liberty MediCare Policy Wording

Do I need an entrance medical check-up before buying Liberty MediCare?

Most customers do not need an entrance medical check-up before buying Liberty FamilyCare.

However, Liberty will require a medical check-up for insured members:

From 50 years old and over
Have pre-existing condition(s)
BMI of 31 or higher

Why should I choose Liberty Medicare?

Liberty MediCare is a comprehensive insurance product, with advanced benefits and flexible premium. Liberty Medicare provides members with:

Full coverage for surgeon fee
No waiting period for special diseases
No limit on hospitalisation services and number of hospitalisation days
Coverage for general and specialist outpatient treatment services, Prescribed Drugs, etc.

Liberty Medicare Eligibility Criteria

Insured person must be Vietnamese citizens and permanent residents in Vietnam.

Insured persons:

Individual
Family: including legally spouse and children

Age limit at inception:

New members: from 18 to 54 years old (individual policy) or 64 (family policy except M1, M2)
Renewal members (adult): up tp 74 years old
Children: from 15 days old up to 18 years old, extended to 23 years old if still in continuous full-time education"

Minimum number of insured people for group policy: