Healthcare Insurance

Healthcare insurance - Medishield

Nowadays, medical cost is increasing day by day. When you have an accident or illness, you and your family will need a complete financial protection solution to overcome the risk.
Understanding the need of customer, UIC has launched the MediShield personal health insurance product with the mission of providing optimal financial solutions for medical expenses in the event of an accident or illness. , disease, surgery.

Product features:

Help carry your burden when you have hospitalized or get out-patient treatment following accident or illness

Flexible choices of out-patient, dental to fit their needs and financial situation.

Cover for special diseases right in the first joining year (list of special diseases is quite limited )

Eligibility of Insured Person:

  • From 6 to 65 years old (renew to 72 years old provided that insured person buying UIC insurance since 65 years old)
  • Not suffer from mental illness, leprosy, DOWN syndrome
  • Not suffer from 50% disability onwards
  • Not being treated for illness/disease/ accident. Not being hospitalized.
  • Not suffer from special diseases as specified in Medishield wording

Table of Benefits:

1/ Core program (Inpatient / surgery due to accident and illness)

Plan IP-1 IP-2 IP-3 IP-4 IP-5 IP-6
Annual limit 802,000,000 602,000,000 402,000,000 322,000,000 242,000,000 162,000,000
A. Inpatient limit for accident, disease, illness 400,000,000 300,000,000 200,000,000 160,000,000 120,000,000 80,000,000
A1. Miscellaneous expenses (doctor consultation fee, charges incurred during an in-patient stay for medically necessary supplies and services) 200,000,000 150,000,000 100,000,000 80,000,000 60,000,000 40,000,000
A2. Surgical Operation (due to accident and illness, organ transplant included) 200,000,000 150,000,000 100,000,000 80,000,000 60,000,000 40,000,000
B. Emergency treatment (due to accident and illness) 200,000,000 150,000,000 100,000,000 80,000,000 60,000,000 40,000,000
C. Ambulance service expenses (not included air ambulance service and not exceed 200,000 km in distance) applied for life-threatening cases only 200,000,000 150,000,000 100,000,000 80,000,000 60,000,000 40,000,000
D. Burial cost 2,000,000 2,000,000 2,000,000 2,000,000 2,000,000 2,000,000

2/ Optional benefits:

2.1 Out-patient due to accident and illness
PLAN OP-1
(IP1)
OP-2
(IP1 – IP3)
OP-3
(IP1-IP5)
OP-4
(IP1-IP6)
Annual limit 15,000,000 10,000,000 6,000,000 5,000,000
2.2 Dental (Available with Outpatient only) DC
Annual limit Co-insurance 25% 10,000,000
2.3 Death/permanent disablement due to illness DS-1 DS-2
Sum insured 200,000,000 100,000,000
2.4 Death/permanent disablement due to accident DA-1 DA-2
Sum insured 200,000,000 100,000,000

Waiting Periods:

Hạng mục Days
Normal diseases, dental (medical expenses) 30
Special diseases (in-patient medical expenses) 180
Pre-existing diseases (medical expenses) Special diseases (out-patient medical expenses) 365
Death due to all types of disease 365

Premium Table:

Age bands In-patient Out-patient (*) Dental Death/permanent disablement (due to illness) Death/permanent disablement (due to accident)
  IP-1 IP-2 IP-3 IP-4 IP-5 IP-6 OP-1
(IP1)
OP-2
(IP1 – IP3)
OP-3
(IP1-IP5)
OP-4
(IP1-IP6)
DC DS-1 DS-2 DA-1 DA-2
6 – 18 7,076,250 5,880,938 4,111,875 3,289,500 2,868,750 1,912,500 5,625,000 3,750,000 2,250,000 1,875,000 6,000,000 400,000 200,000 200,000 100,000
 18-45 8,325,000 6,918,750 4,837,500 3,870,000 3,375,000 2,250,000 5,906,250 3,937,500 2,362,500 1,968,750 6,000,000 400,000 200,000 200,000 100,000
45 – 65 12,487,500 10,378,125 7,256,250 5,805,000 5,062,500 3,375,000 7,875,000 5,250,000 3,150,000 2,625,000 6,000,000 400,000 200,000 200,000 100,000
65- 70 14,152,500 11,761,875 8,223,750 6,579,000 5,737,500 3,825,000 9,562,500 6,375,000 3,825,000 3,187,500 6,000,000 400,000 200,000 200,000 100,000

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