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.

Please refer to the Standard wording and the Tariff of this product here: Health insurance MediShield

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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