Level of benefits
AC1
AC2
AC2
AC3
AC4
AC5
Area of coverage
Vietnam
ASEAN excluding Singapore
Medical expenses following accident
Maximum Sum Assured of
medical treatment for Accident
Includes sub-limit as below:
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
1. Daily room fees
(standard single bedroom)
USD 60
USD 100
USD 200
USD 300
USD 400
Athecom Health insurance
Comprehensive health protection plans with access to World-class medical facilities.
With Athecom insurance, your premium is not based on your individual claim usage, it's based on the full portfolio,
✔️ Online claim up to 20 Million VND
✔️ Cashless service inpatient and outpatient
✔️ Area of coverage Vietnam and ASEAN excluding Singapore
Download Athecom Brochure
Download Athecom Policy Wording
Download Athecom Application form
2. Inpatient treatment for Accident
Cost of vitamin, supplement medicines which is prescribed along with targeted medicine, but not exceed the cost of targeted medications
USD 3,000
USD 60
USD 5,000
USD 100
USD 10,000
USD 200
USD 15,000
USD 300
USD 20,000
USD 400
3. Incentive Care Unit (ICU) inpatient treatment (Max 30 Confinement days)
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
4. Daily hospitalization allowance
(Max 60 days Confinement days)
Use State Health: USD 6
Not Using State Health: USD 3
Use State Health: USD 10
Not using State Health: USD 5
Use State Health: USD 20
Not using State Health: USD 10
Use State Health: USD 30
Not using State Health: USD 15
Use State Health: USD 40
Not using State Health: USD 20
5. Surgery for Accident
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
6. Ambulance service for Accident
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
7. Outpatient treatment for Accident
Cost of Vitamins and supplement medicines that are prescribed by Physician, but not exceed the cost of targeted medication
USD 3,000
USD 60
USD 5,000
USD 100
USD 10,000
USD 200
USD 15,000
USD 300
USD 20,000
USD 400
8. Emergency dental treatment for Accident (Within 24 hours after Accident occure)
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
9. Emergency Maternity treatment for Accident (Within 24 hours after Accident occure)
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
IN-PATIENT TREATMENT FOR ILLNESS & MATERNITY (ANNUAL LIMIT)
Maximum Sum Assured of
Inpatient treatment for Illness
Includes sub-limit as below:
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
1. Daily Room fees
(standard single bed room)
USD 60
USD 100
USD 200
USD 300
USD 400
2. Inpatient treatment for Illness
Cost of vitamin, supplement drugs which is prescibed along with targeted medicine, but not exceed the cost of targeted medicine
USD 3,000
USD 60
USD 5,000
USD 100
USD 10,000
USD 200
USD 15,000
USD 300
USD 20,000
USD 400
3. ICU In-patient treatment
(Max 30 days Confinement days)
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
4. Daily Hospitalization allowance
(Max 60 days Confinement days)
Use State Health: USD 6
Not using State Health: USD 3
Use State Health: USD 10
Not using State Health: USD 5
Use State Health: USD 20
Not using State Health: USD 10
Use State Health: USD 30
Not using State Health: USD 15
Use State Health: USD 40
Not using State Health: USD 20
5. Day-patient treatment
(per day max 5 times)
USD 300
USD 500
USD 1,000
USD 1,500
USD 2,000
6. Surgery for Illness
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
7. Organ transplant (In respect of kidney, heart, liver, lung and bone marrow)
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
8. Pre-hospitalization treatment
(30 days before admission to Hospital)
USD 150
USD 250
USD 500
USD 750
USD 1,000
9. Post-hospitalization treatment
(45 days after discharge from Hospital)
USD 150
USD 250
USD 500
USD 750
USD 1,000
10. Home Nursing care
(limit per day max 60 days)
USD 75
US
125
USD 250
USD 375
USD 500
11. Local Ambulance service for Illness
(not apply for Maternity care)
USD 3,000
USD 5,000
USD 10,000
USD 15,000
USD 20,000
12. Maternity Care
Pre-natal check-up
(limit per visit max 3 times)
Daily hospitalization allowance
(Max 10 Confinement days)
Daily Room fees
(standard single bed room)
Normal delivery
Pregnancy complication treatment and/or difficult delivery
Post-natal / after pregnancy complication check-up for 1 time within 45 days after delivery or pregnancy complication
Inpatient pediatric care (within 14 days following the delivery date)
USD 600
Use State Health: USD 15
Not using State Health: USD 3
USD 30
Included
USD 60
Included
USD 60
USD 60
USD 1,000
Use State Health: USD 16
Not using State Health: USD 4
USD 50
Included
USD 100
Included
USD 100
USD 100
USD 2,000
Use State Health: USD 17
Not using State Health: USD 5
USD 100
Included
USD 200
Included
USD 200
USD 200
USD 3,000
Use State Health: USD 18
Not using State Health: USD 6
USD 150
Included
USD 300
Included
USD 300
USD 300
USD 4,000
Use State Health: USD 60
Not using State Health: USD 20
USD 200
Included
USD 400
Included
USD 400
USD 400
OUT-PATIENT TREATMENT FOR ILLNESS AND MATERNITY (ANNUAL LIMIT)
Maximum Sum Assured
Includes sub-limit as below:
USD 300
USD 500
USD 1,000
USD 1,500
USD 2,000
1. Outpatient treatment for Illness
(per One visit of medical examination and treatment) including consultant fee, prescribed medicine, cost of laboratory and screening tests,..
Endoscopy with anesthesia at State-owned Hospital.
The Insurer shall apply Co-insurance of 10% if Insured Member having endoscopy with anesthesia done at private/international Hospital/Clinic;
Cost of vitamin, supplements drugs which is prescibed along with targeted medicine, but not exceed the cost of targeted medicine of One visit of medical examination and treatment
USD 60
USD 15
USD 100
USD 25
USD 200
USD 50
USD 300
USD 75
USD 400
USD 100
2. Physiotherapy per visit
(max. 30 times)
USD 6
USD 10
USD 20
USD 30
USD 40
OPTIONAL BENEFITS
DENTAL & OPTICAL CARE (ANNUAL LIMIT)
Maximum Sum Assured
Includes sub-limit as below:
USD 150
USD 200
USD 300
USD 400
USD 500
1. Scaling / polishing (max. 2 times)
2.Check up/ consultation / diagnosis
3. Specialized dental treatment
including: imaging tests as prescribed by Physician, treatment of gingivitis and periodontitis, dental filling with Amalgam, Composite, GIC, or similar-price materials (excluding gold and precious metal), root canal treatment, odontoma removal, apicectomy, pathologic tooth extraction.
USD 105
USD 140
USD 210
USD 280
USD 350
4. Lens or other optical component in an optical instrument.
USD 45
USD 60
USD 90
USD 120
USD 150
HEALTH PREVENTION (ANNUAL LIMIT)
Maximum Sum Assured Includes sub-limit as below:
USD 100
USD 150
USD 200
USD 250
USD 300
Routine/annual medical examinations and check- ups including but not limited
General medical examination
Gynecological examination, andrology examination
Antenatal/prenatal and post-natal check-up
Vaccinations and preventative medicines
Normal eye tests; normal hearing tests
Medical certificates; examination for employment or travel
Included
Included
Included
Included
Included
Waiting Period
1. For existing members whose requested waiting period have been qualified
Waived
2. For new members
a. Normal illnesses/disseases and dental
b. Pre-existing conditions
c. Special illnesses/disseases
d. Maternity
e. Death/Total Permanent Disability due to special diseases, pre-existing conditions, maternity
30 days
365 days
Abortion, miscarriage prescribed by attending doctors: 90 days
Other benefits of maternity care: 270 days
180 days
365 days
EXTENSION CLAUSES
1) Prescribed medical test
All prescribed medical tests (relating the pathology) are covered for non-excluded pathology and medical treatment.
2) Claim under 20 Million VND
All claim under 20 Million VND can be declared online. The insurer reserve the right to request original documents for audit purposes
3) Surgery equipment
4) Home medical treatment
All required and prescribed surgical medical equipment are covered for non-excluded patholigies
5) Common blood disorders
Medical treatment done by licensed medical practitioner or caregiver are covered under the outpatient limit of this policy and considered as normal diseases
6) Special diseases
Medical treatment for diabetes, cholesterol, triglycerides, hyperlipidemia, hepatitis, hypocalcemia, elevated liver enzymes or similar conditions, are covered under this policy
Under this policy, Special diseases are defined as Cancer, all kind of tumors; Stone(s) in secretion and gall system; Cardiovascular disease, failure of lung function, blood pressure, Hepatitis (A, B, C), pancreas, kidney (excluding the acute phase of kidney which gives rise to emergency medical treatment), Diseases related to hematopoietic (blood forming) system including but not limited failure of marrow, acute Leukocyte (white blood cell), chronic Leukocyte; Growth hormone disorder; Diabetes mellitus; Parkinson disease
7) Pulmonary disaorders
8) Renewal terms
Under this policy, bronchitis, bronchiolitis, pneumonia of all types are covered
The premium will be reviewed every 1st of July. Each individual renewal will be subjected to the annual review whatever the claim history of the insured person