Comprehensive Health Care

Be worry-free from the burden of medical costs from TODAY!

Health is the most valuable asset of human life. However, there are always moments that our health is not under the best condition - illnesses, diseases, injuries may happen to anyone, at anytime. In this situation, medical costs may become a burden for yourself and your family, especially when the costs keep increasing over time. 

Understanding customers’ concern, Prudential is pleased to introduce the Comprehensive Health Care product – an outstanding solution appeared at the first time in the market, helping you to ease the burden of medical costs and wholeheartly take care of your family.

Benefit

This product will give you and your family a peace of mind with the medical expenses during hospitalization, as well as before and after hospitalization. If the treatment is medically necessary and the costs are justified as reasonable, Prudential will pay 80% of billable cost depending on the plan chosen by the customer when purchasing the policy as follow:
 
1. Hospitalization Benefits

Hospitalization Benefits
Economy
Standard
Superior
Deluxe
(a) Daily Hospitalization
(max 100 days per year)
Up to VND 200,000
per day
Up to VND 350,000
per day
Up to VND 500,000
per day
Up to VND 1,000,000
per day
(b) Hospitalization in Intensive Care Unit (ICU)
(max 30 days per year)
Up to VND 200,000
per day
Up to VND 700,000
per day
Up to VND 1,000,000 per day
Up to VND 2,000,000
per day
(c) Miscellaneous Hospitalization Services (*)
Up to VND 1,000,000 per admission
Up to VND 1,750,000 per admission
Up to VND 2,500,000
per admission
Up to VND 5,000,000
per admission

(*)Miscellaneous includes the cost of medicine prescription, dressings & materials, equipment supplied, laboratory testing and imaging diagnosis and specialist consultation fee.
 
2. Pre and post hospitalization benefits
 
Economy
Standard
Superior
Deluxe
Up to VND 500,000
per admission
Up to VND 800,000
per admission
Up to VND 1,100,000 per admission
Up to VND 2,000,000
per admission
 
Expense support pre and post hospitalization benefit includes medicines, consultations, physiotherapy, diagnostic and laboratory tests services.
 
3. Surgical benefits

Economy
Standard
Superior
Deluxe
Up to VND 2,000,000
per admission
Up to VND 3,500,000
per admission
Up to VND 5,000,000 per admission
Up to VND 10,000,000 per admission

For Day surgey, the surgery that do not require the patient to stay in the hospital, Prudential shall reimburse more 80% of total costs including drugs charge, equipment supplied, Laboratory testing, Imaging diagnosis and Specialist consultation.
 
4. Emergency Overseas Medical Treatment benefits

Economy
Standard
Superior
Deluxe
Up to VND 4,000,000  per admission
Up to VND 7,000,000        per admission
Up to VND 10,000,000      per admission
Up to VND 20,000,000 per admission

 
Limitation of benefits per year and during the whole term of this rider is provided in the table below:

Limit
Economy
Standard
Superior
Deluxe
Policy year limit
VND 20 mil
VND 35 mil
VND 50 mil
VND 100 mil
Lifetime limit
VND 200 mil
VND 350 mil
VND 500 mil
VND 1 bil

Note:
  • The above benefits are paid only if they meet the requirements and definitions of the Terms and Conditions of this rider.
  • Emergency overseas medical treatment benefit will not be paid if the Life Assured (LA) is abroad from 90 consecutive days or more.
  • When the costs related to inpatient hospital treatment or surgery of LA has been paid by Health insurance, Prudential will pay 100% of remaining costs but not exceed maximum of the selected plan.
  • Same admission means all Hospitalizations which arise from the same Illness or Injury as that of the previous Hospitalization (including all complications there from) and which is within 60 days following the latest discharge date should be considered as the same admission. Same admission is applied to calculate the maximum benefit payable per admission.
  • Economy, Standard, Superior and Deluxe plan is Plan A, Plan B, Plan C, and Plan D respectively, as specified in the Terms and Conditions of this rider.
Comprehensive Health Care rider

Be worry-free from the burden of medical costs from TODAY!

Benefit Illustration

Mr. An is hospitalized due to a surgery during a period of 8 days, including 2 days in ICU. He previously purchased a Comprehensive Health Care rider – Option B. If he doesn’t claim from State Health Insurance previously, Prudential will pay him as follow:
 
Unit: VND

 
 
The actual expense
80% of the actual expense
The amount Prudential will pay (*)
Pre hospitalization
A prescription of medicine before hospitalization
300,000 VND
240,000VND
240,000VND
Examination, X-ray and diagnosis
1,300,000 VND
1,040,000VND
1,040,000VND
Hospitalization
Surgery expense
4,500,000 VND
3,600,000VND
3,500,000VND
Hospitalization days (including accommodations & meals)
06 hospitalization days (350,000 VND/day) + 02 intensive care days (700.000 VND/day) = 3,500,000 VND
2,800,000
2,800,000
Post hospitalization
The post hospitalization costs (consultations, blood test, medicine)
400,000 VND
320,000 VND
320,000 VND
 
Total costs reimbursed by Prudential
10,000,000VND
8,000,000VND
7,900,000VND

(*) Insurance benefit is equal to 80% of actual costs incurred but not exceeds the limits of the plan selected and paid when the LA fully implement the claim procedures specified in the Terms and Conditions of this rider

Criterion requirements

Criterion requirements

One of purchased main products
Pru Triple Education (Phú-An Gia Thành Tài)
Enhanced PruSave (Phú-An Khang Hưu Trí)
Pru Cash Double (Phú-An Gia Tích Lũy Định Kỳ)
New Universal Life (Phú-Toàn Gia An Phúc)
Pru Smart Saver (Phú-Hưng Thịnh)
Whole life (Phú-Trường An)
Health Assured (Phú-An Bình)
Age of entry
6 – 50 years old
Max age of expiry
65 years old

Note: Please refer to Terms and Conditions to learn more detail