Hospital Stay Protection

While the Hospital Stay Protection rider is in force, if the Insured stays overnight in a hospital for surgery or is placed in the Intensive Care Unit (ICU) for treatment of illness or injury, Chubb Life will pay the daily allowance for these health services.

* Exclusion of illness or injury due to a pre-existing condition, or during a postponed period. The daily allowance will be paid for a maximum of 365 days.

Hospital Definition:

Hospital means a medical establishment that is legally set up and operates in Vietnam for the care and treatment of sick and/or injured persons. For the purpose of this Hospital Stay Protection insurance policy, a medical establishment is considered a Hospital when meeting all the following requirements:

• Having a Licence issued by the competent State authority to set up a Hospital for the purpose of care/treatment of patients;
• Provides twenty-four (24) hour a day nursing services and is under the supervision of at least one doctor in regular attendance;
• Has its own authorised round seal of the Hospital as defined by the prevailing law(s) regarding seals;
• Has Operating Rooms and ICUs equipped with sufficient medical equipment that meet the standards required by the prevailing laws. In order to understand clearly the definition of Hospital under this policy, at any time, the Policyholders may check the following list of hospital in Vietnam territory. (The precedent condition for claim according to this policy is that the Hospital must meet the requirements defined herein).
• This is a non-participating and without-cash-value product
• Entry age: 18 to 55 years
• Payment frequency: in accordance with the main policy (quarterly, half-yearly and yearly)
• Inclusion: Universal Life variants including Pre-eminent Option, Universal Option, Family Package Option A1, Family Package Option A2, Family Package Option BII; Level Term 10/15/20 years, Whole Life with Premium Payable up to age 55/60/65.

Including Hospital Stay Protection in the main product will enable the Insured to cover expensive medical costs should he/she be hospitalised for surgery or treatment in an intensive care unit (ICU).

The amount of covered medical costs is capped between VND 100,000 and VND 800,000 as follows:

Customers can choose an insured value within this range in accordance with their financial capacity and demands.

This document provides basic information about the product(s). Please contact Chubb Life Sales Team or hotline on (84.8) 38 27 8123 for more details.