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 kindly check the Standard wording and the Tariff of this product in this link: 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 Ngoại trú do bệnh & tai nan
Chương trình	OP-1 (IP1)	OP-2 (IP1 – IP3)	OP-3 (IP1-IP5)	OP-4 (IP1-IP6)
Giới hạn bảo hiểm tối đa	15,000,000	10,000,000	6,000,000	5,000,000

2.2 Nha khoa	(Mua cùng Quyền lợi Nội trú và Ngoại trú)	DC
Giới hạn bảo hiểm tối đa	Đồng chi trả 25%	10,000,000

2.3 Tử vong / Thương tật vĩnh viễn do bệnh	DS-1	DS-2
Giới hạn bảo hiểm tối đa	200,000,000	100,000,000

2.4 Tử vong / Thương tật vĩnh viễn do tai nạn	DA-1	DA-2
Giới hạn bảo hiểm tối đa	200,000,000	100,000,000

Thời gian chờ:

	Hạng mục	Ngày
	Bệnh thông thường, răng (mọi chi phí y tế)	30
	Bệnh đặc biệt (chi phí y tế nội trú)	180
	Bệnh có sẵn (mọi chi phí y tế), bệnh đặc biệt (chi phí y tế ngoại trú)	365
	Tử vong do mọi bệnh	365

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