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If you are simply looking for a low-cost standalone health insurance plan and are willing to accept that you may no longer be able to renew it after developing a serious illness, leaving you to bear future medical expenses yourself, this is not the product you are looking for.

On the other hand, if you want long-term renewal, potentially throughout your lifetime, and the ability to continue renewing the coverage at standard premium rates even after a serious illness has occurred and the maximum benefit limit has been paid, this product is designed to meet that need.

Key Advantages Compared with Other Insurance Plans

Entry Age and Coverage Period: Applicants may enter the plan up to age 70, subject to satisfactory health underwriting, and receive coverage up to age 100. Other plans may provide coverage only until age 75 .
Waiting Period for Specified Special Medical Conditions: The waiting period for specified special medical conditions is reduced to just 90 days, compared with 365 days under certain standalone health insurance plans.
Double Benefits at Public Hospitals: Benefits are doubled for treatment at public hospitals, including specialist hospitals such as Cho Ray Hospital, Oncology Hospital, University Medical Center, Children's Hospital and Tu Du Hospital. Coverage can reach VND 2.4 billion per year across all types of illnesses, rather than being restricted to only three or four specified illnesses.
No Additional Sub-limits per Treatment Episode: Unlike some other plans, this product does not impose additional sub-limits on the amount payable for each treatment episode, whether hospitalization involves surgery or not. Eligible expenses are covered in full within the applicable policy limits.
Cancer Treatment Benefits: Eligible cancer treatment expenses are covered for inpatient treatment, outpatient treatment and day treatment, whereas some other plans only cover inpatient treatment.
Tricks and advanced medical services that are completed within the day are fully covered (other types of procedures are not covered).
Hospital Cash Benefit When Public Health Insurance Is Used: When treatment is received at a hospital and Vietnam's public health insurance (BHYT) is also used, an additional hospital cash benefit of up to VND 600,000 per day may be payable.
Maternity Benefits: Maternity benefits of up to VND 40 million are included without requiring the purchase of an additional rider.
AIA Vitality Healthy-Living Rewards: Members who participate in AIA Vitality and maintain a healthy lifestyle may receive rewards of up to 60% of the average premiums paid. These rewards may help offset the cost of outpatient coverage.
Direct Claims Payment by AIA: Claims are handled and paid directly by AIA, which may streamline the claims process compared with arrangements involving an intermediary claims administrator.
Premium Grace Period and Policy Renewal: This product is purchased together with another life insurance product at a relatively low premium. The arrangement offers additional benefits, including:

An additional 60-day premium payment grace period: Coverage may continue for an additional 60 days after the end of the policy year even if the premium has not yet been paid, subject to the applicable policy terms.
Clearly defined annual renewal terms: Renewal is stated to be subject to prescribed standard premium rates. By contrast, some standalone health insurance plans may not be renewed following substantial claims or the diagnosis of a serious illness.

MAIN INSURANCE BENEFITS

Healthy-Living Rewards Through AIA Vitality
(This is an optional additional benefit for insured persons aged 18–70. The annual fee is VND 948,000 for those who are not already AIA Vitality members)

When you are motivated to live healthily, you may improve your health, potentially reducing the likelihood of insurance claims. This creates a mutually beneficial relationship. If an insured event occurs, additional rewards through AIA Vitality may provide further benefits.

(Click the image below for more details)

OUTPATIENT TREATMENT BENEFITS
(Optional additional benefit)

DENTAL TREATMENT BENEFITS
(Optional additional benefit)

Example of an Actual Inpatient Claim

<Vietnam's public health insurance is also used>

Acute cholecystitis caused by gallstones, requiring gallbladder removal, with the patient selecting a hospital room

Public health insurance pays its eligible portion, and the patient pays the remaining balance

AIA reimburses the eligible treatment expenses in full.

AIA reimburses eligible medical expenses incurred before and after hospitalization

WAITING PERIODS

The waiting period begins from the date the insurance company approves the coverage or the date the policy is reinstated, as applicable.

30 days for other illnesses.
90 days for specified special medical conditions, including cancer, organ transplantation and maternity complications.
270 days for maternity benefits.
No waiting period for accidents.

TABLE OF PREMIUM

What Documents Are Required to Submit an Insurance Claim?

Cashless Hospitalization / Direct Billing

Present the physical health insurance card or the electronic card in the AIA+ app to the hospital
Provide identification documents (if required)

The hospital will coordinate directly with AIA, allowing you to focus on your treatment

If the hospital needs to proceed with a service while contacting AIA, it may request an advance payment. The amount may be refunded before discharge, subject to the hospital's procedures and applicable arrangements.

Pay First and Claim Reimbursement Later

Hospitalization:

Hospital discharge certificate and surgical certificate (if applicable)
Hospital bills, accompanied by itemized medical expense statements
Medical summary, where required.

Outpatient Consultation:

Medical bills; itemized bills may be required in certain cases.
Prescription.

Insurance Claim Submission

Present your health insurance card at a participating hospital within the cashless hospitalization network to avoid paying eligible expenses upfront

Pay the medical expenses yourself, then submit your claim documents online to AIA for reimbursement.

AIA Global Health Passport (No United States)

Important Notes

This health insurance product must be purchased together with one of the following main insurance products:

Main insurance product : AIA - Khoẻ Trọn Vẹn
Main insurance product : AIA - Khoẻ Bình An
Main insurance product : AIA - Vững Tương Lai
Main insurance product : AIA - Vững Tinh Hoa
Main insurance product : AIA - Khỏe An Nhiên (For businesses purchasing for their employees)

Note: Children aged 30 days and above may purchase the health insurance separately and are not required to purchase it together with their father or mother, according to the website .

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