HNG DN S DNG BO HIM SC KHO

PVI CARE 2016-2017

A GUIDE TO HEALTH CARE INSURANCE
IN 2016-2017

c th s dng mt cch n gin v hiu qu hy dnh thi gian c k ti liu ny. Chng ti cam
kt em n cho cc bn dch v ngy cng tt hn.
To be able use a easy and efficiency, please spending time to read this document carefully. We are
committed to giving you better service.

A. NGUYN TC CHUNG
A. GENERAL PRINCIPLES

Khng phi bt c chi ph khm, iu tr bnh no ca bn cng u c thanh ton.

Do not have any expenses for medical examination, treatment of illness are also paid.

PVI Care l loi hnh bo him t nguyn. Trong NSRP v PVI k mt tha thun dn s trong cam
kt rng, PVI s cung cp cho Ngi lao ng nhng quyn li bo him nht nh.
PVI Care is the voluntary insurance types. Which NSRP and PVI signed a civil agreement, which committed that PVI
will provided to NSRPemployees those particular benefits.

iu ny c ngha l: PVI khng c trch nhim phi thanh ton bt k chi ph khm, cha bnh no m
Ngi c bo him yu cu. PVI ch c trch nhim thanh ton i vi cc ch ph khm, cha bnh
thuc phm vi bo him c cam kt (cn c vo Hp ng bo him, quy tc bo him, v Giy
chng nhn bo him)
This means: PVI does not have responsibility to pay any costs for medical examination which the Insured requested.
PVI is only responsible for paying for the expenses medical examination and treatment covered has been committed
(based on insurance contracts, insurance regulations, and insurance certificate)

B. DCH V BO LNH VIN PH

B. DIRECT BILLING SERVICE

h tr Ngi c bo him trong vic thanh ton tin thm khm, iu tr tai nn, m au, bnh tt,
thai sn. Bo him PVI HN s in th Bo lnh vin ph PVI Care cho NBH. Vi th Bo him PVI
Care, NBH s khng phi thanh ton tin khi thm khm v iu tr ti cc bnh vin/Phng khm
thuc danh sch bo lnh ca Bo him PVI.
To support client in payment, PVI issue PVI card to all insured persons. With PVI card in hand, insured persons will
not have to make payment by cash to clinics/ hospital.

Th PVI Care p dng c trong thm khm, iu tr Ni tr cng nh Ngoi tr

PVI card will cover both in patient and out patient applicable to the list of clinic/hospital in PVI.

1. Nhn dng th PVI Care

1. PVI Card of the Insured

2. Lm th no s dng th bo lnh vin ph PVI Care?

2. How to use PVI card (direct billing service)?

Di y l biu gii thch lm th no s dng th PVI:

Below is the chart to explain how to use PVI card:
Ngi c bo him
The Insured

Xut trnh th PVI Care, v

CMND hoc H Chiu ti
bn tip n ca Bnh
vin/Phng khm
Show PVI card/ID Card or
Passport at the reception
desk of the hospital / clinic

Bo him PVI
PVI Insurance

Bnh vin/Phng khm

Hospital/Clinic

Kim tra th bo him,

chng trnh bo him v
gi thng tin cho BH PVI
Check insurance card,
insurance information and
send information to PVI
Insurance

Kim tra thng tin t

Bnh vin/Phng khm
v xc nhn bo lnh
Check the the information
and confirmed

Chi tr tin cho Bnh vin

payment for hospital

Quy trnh ny l ht sc n gin v d dng. Chng ti v bnh vin kt ni vi nhau qua h thng phn
mm bo lnh vin ph.
This process is very clear, we and hospitals connected together through the guarantee system software direct billing

Lu:

Note:

Danh sch bnh vin/phng khm c th thay i theo thi gian/chng trnh bo him
List of hospitals / clinics may change

Khch hng s khng c bo lnh nu khng cung cp y th PVI Care v/CMND hoc H
chiu
Customers will not be billing if not provided Care and PVI card / ID card or passport

Khch hng cn k vo Giy yu cu tr tin bo him/ h s, chng t theo hng dn ca cn

b ph trch bo him trc khi ri khi Bnh vin/ Phng khm
The Insured should sign the claim form, medica document, invoice under guidance of Insurance Officer before
leaving the hospital / clinic

Cc trng hp cn cha thng tin hoc thiu giy t xc nh bnh /tai nn thuc phm vi
bo him: Khch hng thu thp h s v thanh ton trc tip vi Bo him PVI.
In case of not enough information or missing medical document to determine the disease / accident insurance
covered. The Insured collect medical documents + Claim form and send to PVI Insurance

Trong trng hp iu tr ni tr , khch hng phi xut trnh giy t trong vng 24h ngay sau khi
nhp vin.
In the case of inpatient treatment, clients must produce Care PVI card and ID card or Passport within 24 hours
immediately after admission.

Mt s bnh vin c th quy nh khch hng t cc trc khi s dng dch v.

Some hospitals may require a deposit when the Insured use the service.

i vi bo lnh vin ph ngoi tr do tai nn, hin ti BH PVI cha cung cp

PVI Insurance has not provided direct billing for treatment out-patient for case of accidents
2

3. Gii quyt th no nu h thng bo lnh gp vn ?

3. How to resolve if the system is having problems?

Trong qu trnh thc hin c th xy ra nhng vn pht sinh khin vic bo lnh b chm ch hoc
khng thc hin c. Tuy nhin chng ti c hn 10 nm hp tc vi cc bnh vin nn c rt nhiu
kinh nghim gii quyt i vi cc trng hp nu trn. Hy gi cho chng ti theo cc s holine h
tr bo lnh sau y:
- Pha Bc: n Qung Nam
Hotline 1: 0988 742 788
Hotline 2: 0123 274 2788
Hotline 3: 0988 752 788
- Pha Nam : T TP H Ch Minh n C Mau
Hotline 1: 0988 756 726
Hotline 2: 0988 756 736
During the actual implementation, there will be cases when clinic/hospital and insured persons may have different
understandings about examination items. PVI and each clinic/hospital have very close cooperation during the last 10
years. We have many experience to deal with special cases. Please contact immediately with system hotline
- Northern: to Quang Nam Provine
Hotline 1: 0988 742 788
Hotline 2: 0123 274 2788
Hotline 3: 0988 752 788
- Southern: From Ho Chi Minh City to Ca Mau Province
Hotline 1: 0988 756 726
Hotline 2: 0988 756 736

4. Thi gian thc hin bo lnh l bao lu?

4. How long direct billing complete?

i vi bo lnh ngoi tr, vic bo lnh s c x l trc tuyn gn nh ngay lp tc. NBH
s c bo lnh thanh ton s tin trong phm vi bo him, trong hn mc bo him.
For Out patient, hospital/clinic will immediately process online. Insured persons can use clinic service
without making any payment within the limit.

i vi bo lnh ni tr, Trong vng 2 gi ng h k t khi nhn dduocj yu cu bo lnh t

Bnh vin, Bo him PVI s hon tt th tc bo lnh.
For In patient, within 02 hours after receipt of the request from Clinic/hospital, PVI can guarantee payment
for insured person(s).

5. Danh sch mng li bo lnh vin ph ca Bo him PVI?

5. List of PVIs direct billing hospital network?

Mng li bo lnh vin ph ca BH PVI hin c hn 76 Bnh vin/Phng khm ti cc tnh thnh ph:
H Ni, Thi Nguyn, Hi Phng, Thanh Ho, Nng, Qung Nam, TP HCM, Bnh Dng, Vng
Tu, ng Nai, Cn Th, C Mau
PVIs direct billing hospital network has 76 clinics/hospitals and clinics in the cities as: Hanoi, Thai Nguyen, Hai
Phong, Thanh Hoa, Da Nang, Quang Nam, Ho Chi Minh City, Binh Duong, Vung Tau, Dong Nai, Can Tho, Ca Mau.
3

Vui lng kim tra danh sch bo lnh hin ti theo nh km. Truy cp trang web www.pvicare.vn hoc
lin h vi h thng Holine ca chng ti bt c khi no bn cn.
Please check List of Clinic/ Hospitals for Direct Billing attched. This list will be updated regularly. Visit my Direct
billing Service: www.pvicare.vn. Or contact immediately with system hotline

6. Thi gian c chp nhn bo lnh ti cc Bnh vin/Phng khm l bao gi?
6. What's the working time to accept direct billing in Hospital/Clinic?

bit thi gian m cc Bnh vin/Phng khm chp nhn vic thc hin bo lnh, vui lng xem thng
tin chi tit trong Danh sch bo lnh vin ph
To known the working time to accept in Hospital/Clinic, plesea check it in List of Clinic/ Hospitals for Direct Billing

7. Ti sao bn nn dng dch v bo lnh vin ph?

7. Why should to use direct billing Service?

Bn s khng phi thanh ton tin cho Bnh vin/Phng khm

You dont need to pay for the hospital / clinic

Th tc rt dn gin v thun tin

The procedures is simple and easy

Bn s khng cn thu thp chng t (vn rt phc tp) yu cu PVI thanh ton bo him
You do not need to collect medical documents (very complicated), send to PVI Insurance to request
compensation

C. KHNG DNG DCH V BO LNH VIN PH

C. NOT USE TO DIRECT BILLING SERVICE
Di y l biu gii thch lm th no yu cu bo him PVI thanh ton tin bi thng bo
him
Below is the chart to explain how to request PVI Insurance payment of insurance compensation

Ngi c bo him
The Insured
Khm, iu tr bnh, thanh
ton tin, thu thp chng t y
t + giy yu cu BH v gi
cho BH PVI
Examination and treatment,
payment, collect medical
documents + Claim form and
send to PVI Insurance

Bnh vin/Phng khm

Hospital/Clinic

Bo him PVI
PVI Insurance
Kim tra ho n chng t
v thanh ton cho Ngi
c bo him
Check invoices or
documents and payments
for the insured

Lu :
Note:

Cc chng t y t cn thit phi thu thp:

The medical documents necessary to collect:

1. Giy yu cu tr tin bo him (theo mu ca BH PVI)

Claim form

2. Phiu khm/s khm

Medical examination registration paper

3. Ch nh chp chiu xt nghim, kt qu chp, chiu, xt nghim (nu c)

Test results

4. Kt lun bnh, n thuc

Prescriptions

5. Bng k vin ph
The list of hospital charges

6. Giy chng nhn phu thut (nu c)

Surgical certificate (in case of sugery),

7. Giy xut vin (nu c)

Hospital discharge certificate

8. Bin bn tai nn
Accident report

9. Ho n, bin lai theo quy nh ca B Ti Chnh. Vi s tin 200.000 tr ng bt buc phi l

ho n . Ch chp nhn ho n bn l (c du vung) vi s tin di 200.000 ng
Invoices, receipts as required by the Ministry of Finance and the Tax Agency

Cc ho n chng t trn u phi c y du v ch k theo quy nh ca B Y t, ca B Ti

Chnh v ca Bnh vin
D. BO HIM THAI SN CHNG TRNH C BIT CHO CC N NHN VIN
D. MATERNITY INSURANCE SPECIAL PROGRAM FOR FEMALE EMPLOYEES

D. Bo him thai sn Chng trnh c bit dnh cho cc n nhn vin.

D. Maternity Insurance - special program for female employees.

Bo him thai sn l mt quyn li c bit dnh cho NBH l n k t khi bt u mang thai n khi
con ca h c sinh ra.
Insurance for maternity is applied for all female insured person(s) from the time they are pregant until the birth of
child.

Cc quyn li bo him c chi tr bao gm:

Thera are benefit:

* i vi iu tr Ni tr
For In-patient:

Sinh thng:
Normal delivery

Vin ph trong thi gian nm vin

Hospital charges during hospitalization

Cc xt nghim, tim phng v iu tr cho sn ph

30.000.000/nm
30,000,000/nm

Examination/Vaccination/Treatment for the Insured

Chi ph cho thm khm trc khi nhp vin (trong vng 30 ngy)

Pre-Hospitalization Treatment as instructed by a physician (30 days prior to

5

the hospital admission)

Chi ph sau khi xut vin (trong vng 30 ngy)

Post-Hospitalization Treatment (30 days following the hospital discharge)

Chi ph dch v vn chuyn cp cu

Emergency evacuation service

Tr cp nm vin (205.000/ngy)
Hospital cash income (205,000/ngy)

Chi ph h tr mai tng (4.000.000)

Burial cost (4,000,000)

Cc chi ph y t cho sinh n thng thng khc

Other Medical expenses for normal delivery

Sinh m theo ch nh ca Bc s:
Caesarean section

Vin ph trong thi gian nm vin

Hospital charges during hospitalization

Chi ph phu thut

Surgical operation

Cc xt nghim, tim phng v iu tr cho sn ph

Examination/Vaccination/Treatment for the Insured

Chi ph cho thm khm trc khi nhp vin (trong vng 30 ngy)
Pre-Hospitalization Treatment as instructed by a physician (30 days prior to
the hospital admission)

40.000.000/nm
40,000,000/nm

Chi ph sau khi xut vin (trong vng 30 ngy)

Post-Hospitalization Treatment (30 days following the hospital discharge)

Chi ph dch v vn chuyn cp cu

Emergency evacuation service

Tr cp nm vin (205.000/ngy)
Hospital cash income (205,000/ngy)

Chi ph h tr mai tng (4.000.000)

Burial cost (4,000,000)

iu tr bin chng thai sn:

Complication of pregnancy

Chi tr theo chi ph

thc t, ti a
205.000.000/nm
Pay actual cost, up to
205,000,000 per year

Chi phi i u tri b nh c p tinh cho em be sau sinh (trong vong 07 ngay sau
khi sinh)
Bao gm cc chi ph thuc v xt nghim dng nhi, chi ph v sinh em b
ti cc bnh vin trong vng 07 ngy sau sinh vi iu kin ngi m cha
xut vin

500.000/nm
500,000/nm

Newborn cover (within 07 days after the childbirth)

* iu tr ngoi tr
Out- Patient

Khm thai nh k v iu tr bin chng thai sn ngoi tr

Pregnant routine check-up and Complication of pregnancy (out Patient)

2.000.000
2,000,000
6

* Khm thai nh k: L cc chi ph khm, xt nghim, chn on hnh nh

trong qu trnh mang thai bao gm: xt nghim nc tiu thng thng, xt
nghim mu c bn, siu m (khng bao gm siu m 4D).
Periodic prenatal examination: Any costs or expenses incurred during any examination,
test or diagnostic imaging during pregnancy, including any regular urine test, basic
blood test or ultrasound (excluding 4D ultrasound).

* Bin chng thai sn: l tnh trng bt thng ca bo thai, bin chng do
nguyn nhn tai nn hoc bnh l pht sinh trong qu trnh mang thai ca
Ngi c bo him (khng bao gm trng hp sinh non, sinh m theo yu
cu) cn iu tr y t theo ch nh ca bc s.
Pregnancy complication: Any abnormal condition of the fetus or complication caused
by an accident or an illness during the Insureds pregnancy (excluding premature
delivery or requested caesarean) and requiring medical treatment as prescribed by the
attending Physician

E. CC QUYN LI BO HIM NM 2016-2017

E. THE BENEFIT OF INSURANCE 2016-2017

iu kin bo him A T vong hoc tn tt ton b vnh vin do m, bnh tt, thai sn.
Condition A - Death, Permanent Total Disability following an illness or disease or maternity-related complication

Phm vi bo him: Bo him trng hp b t vong hoc tn tt ton b vnh vin do m au, bnh tt,
thai sn tr nhng im loi tr quy nh Quy tc BH.
Scope of coverage: Death or Permanent Total Disability arising from an illness or disease or maternity-related
complication, subject to the exclusions set in PVI Care Policy

Phm vi a l: Vit Nam

Geographical Limit: Vietnam

n v: VN / Unit: VND
S TIN BO HIM
SUM INSURED/PERSON/YEAR

INSURANCE BENEFITS

T vong hoc tn tt ton b vnh

vin do m au, bnh tt, thai sn
Death or total permanent disability due to
illness, disease or pregnancy

CBBP PVN

CBNV

QUYN LI

PVN Secondee
NSRP Vietnamese
and foreign direct
hire employees

30 thng
lng/ngi/v
30 monthly of basic
salary/person/
occurence

PTG
Deputy General
Director

CBNV
Secondee

1.000.000.000/ngi/
800.000.000/ngi
v
/v

1,000,000,000/person/oc
curence

800,000,000/person/
occurence

iu kin bo him B Tai nn c nhn

Condition B - Personal accidents

Phm vi bo him: Bo him trng hp ngi c bo him b t vong, thng tt thn th do tai nn,

tr nhng trng hp loi tr quy nh Quy tc Bo him

Scope of cover: Scope of coverage: Accidental death or Bodily Injury, subject to the exclusions set in PVI Care Policy.

Phm vi a l: Ton cu
Territorial scope: Worldwide

n v: VN / Unit: VND
S TIN BO HIM
SUM INSURED/PERSON/YEAR

QUYN LI
INSURANCE BENEFITS

T vong hoc thng tt ton b

vnh vin
Death or total permanent disability

Thng tt b phn vnh vin

Nhn vin

CBBP PVN

NSRP Vietnamese
and foreign direct
hire employees

PVN Secondee

PTG

CBNV

Deputy General Director

Secondee

30 thng
lng/ngi/v

1.000.000.000/ngi/v

800.000.000/ngi
/v

30 monthly of basic
salary/person/
occurence

1,000,000,000/person/
occurence

800,000,000/person/
occurence

% ca s tin bo him theo bng t l tr tin BH thng tt

Partial permanent disability

Thng tt tm thi (Tr cp

lng trong thi gian ngh vic do
tai nn, ti a 180 ngy)

Percentage of Sum Insured as per Scale of Compensation

700.000/ngy ti
a 126.000.000

700.000/ngy ti a
126.000.000

700.000/ngy ti
a 126.000.000

700,000/day,
maximum
126,000,000

700,000/day, maximum
126,000,000

700,000/day,
maximum
126,000,000

105.000.000/ngi
/nm

105.000.000/ngi/n
m

105.000.000/ngi
/nm

105,000,000/person/
year

105,000,000/person/year

105,000,000/person/
year

Temporary disability (Sallary

allowance, Daily salary during
medical treatment, maximum 180
days)

Chi ph y t (bao gm chi ph vn

chuyn cp cu, loi tr bng
ng hng khng)
Medical expenses (including expenses
for emergency evacuation, except for
air transportation)

i u kin bao hi m C - Chi phi y t do m au, bnh

t t, thai san
Condition C Expenses following a disease, illness or maternity-related complication.

Phm vi bo him: Bo him trng hp m au, bnh tt, thai sn phi nm vin hoc phu thut, tr
nhng trng hp loi tr quy nh Quy tc BH.
Scope of coverage: Any disease, illness or maternity-related complication necessitating hospitalization or surgery,
subject to the exclusions set in PVI Care Policy.

Phm vi a l: Vit Nam

Territorial scope: Vietnam

QUYN LI
INSURANCE BENEFITS

n v: VN / Unit: VND
S TIN BO HIM
SUM INSURED/PERSON/YEAR

Nhn vin NSRP

Con ca Nhn
vin NSRP

The NSRP employees

Children of NSRPs
employees

Gii hn ti a/ngi/nm

205.000.000

205.000.000

Maximum Limit/ Person/ Year

205,000,000

205,000,000

Chi tr theo chi

ph thc t, ti a
10.250.000/ngy

Chi tr theo chi

ph thc t, ti a
10.250.000/ngy

Pay actual medical

expense, up to
10,250,000 per day

Pay actual medical

expense, up to
10,250,000 per day

Vin ph trong thi gian nm vin (ti a 60

ngy/nm)
Hospital charges during hospitalization (Up to 60
days/year):

Tin ging iu tr*

Room and boad

Xt nghim chun on hnh nh

Laboratory and diagnostic imaging tests

Thuc iu tr
Prescriptions

Cc chi ph y t khc trong thi gian nm vin

Other medical expenses

(p dng cho c trng hp iu tr trong ngy)

(Also applied in case of day-patient treatment)

* Tin ging iu tr: L chi ph tin ging nm

iu tr trong mt phng tiu chun v cc khon chi
ph lin quan trc tip n vic iu tr ca Ngi
c bo him, chi ph chm sc y t cn thit do mt
y t c bng cp chm sc. Bo him PVI khng
thanh ton cc chi ph khng phi l chi ph y t nh
in thoi, bo ch, tip khch, m phm.
Phng tiu chun: phng tiu chun c gii hn ti
loi phng n c gi thp nht ti c s y t iu tr,
khng bao gm phng theo yu cu v bao phng.
Room and board: Bed charges incurred for treatment in a
standard room and other related expenses directly related to
the treatment of the Insured and any other expenses or costs
of any other necessary medical care services provided by a
nurse qualified nurse. PVI Insurance shall not pay any nonmedical expenses such as telephone calls, newspapers, guest
meals or cosmetics.
Standard room: a standard room is limited to a single room
at the lowest rate at a medical facility and is exclusive of any
requested or VIP room.

Chi ph phu thut* (bao gm phu thut ni tr,

phu thut ngoi tr v phu thut trong ngy)
Surgical operation (including in-patient, day-patient and
out-patient surgery)

* Cc loi phu thut phi thuc danh mc phu

thut do B y t Vit Nam quy nh.
Types of surgeries shall be specified in the list of surgeries
issued by the Ministry of Health.

Chm sc c bit
Special Care Unit (ICU)

iu tr cp cu
Emergency treatment

Chi tr theo chi

ph thc t, ti a

Chi tr theo chi

ph thc t, ti a

205.000.000
Pay actual cost, up
to 205,000,000

205.000.000
Pay actual cost, up
to 205,000,000

Chi tr theo chi

ph thc t, ti a
205.000.000

Chi tr theo chi

ph thc t, ti a
205.000.000

Pay actual cost, up

to 205,000,000

Pay actual cost, up

to 205,000,000

Chi tr theo chi

ph thc t, ti a
205.000.000

Chi tr theo chi

ph thc t, ti a
205.000.000

Pay actual cost, up

to 205,000,000

Pay actual cost, up

to 205,000,000

Chi tr theo chi

ph thc t, ti a
10.250.000/nm

Chi tr theo chi

ph thc t, ti a
10.250.000/nm

Pay actual medical

expense, up to
10,250,000 per year

Pay actual medical

expense, up to
10,250,000 per year

Chi tr theo chi

ph thc t, ti a
10.250.000/nm

Chi tr theo chi

ph thc t, ti a
10.250.000/nm

Pay actual medical

expense, up to
10,250,000 per year

Pay actual medical

expense, up to
10,250,000 per year

Chi tr theo chi

ph thc t, ti a
10.250.000/nm

Chi tr theo chi

ph thc t, ti a
10.250.000/nm

Pay actual medical

expense, up to
10,250,000 per year

Pay actual medical

expense, up to
10,250,000 per year

Chi tr theo chi

ph thc t, ti a
205.000.000/nm

Chi tr theo chi

ph thc t, ti a
205.000.000/nm

Pay actual cost, up

to 205,000,000 per
year

Pay actual cost, up

to 205,000,000 per
year

Chi tr theo chi

ph thc t, ti a

Chi tr theo chi

ph thc t, ti a

Cc quyn li khc
Other benefits

Chi ph trc khi nhp vin theo ch nh ca bc s

(trong vng 30 ngy trc khi nhp vin)
Pre-Hospitalization Treatment as instructed by a physician
(30 days prior to the hospital admission)

Chi ph iu tr sau khi xut vin (trong vng 30

ngy k t ngy xut vin)
Post-Hospitalization Treatment (30 days following the
hospital discharge)

Chi ph y t chm sc ti nh ngay sau khi xut vin

(ti a 15 ngy/nm)
Home nursing immediately following hospital discharge
(Max. 15 days/year)

Cy ghp ni tng (khng bo him chi ph mua cc

b phn ni tng v chi ph hin ni tng)
Organ Transplantation (not including the cost of
acquisition of organ and all cost incurred by the donor)

Phc hi chc nng

Rehabilitation

10

ti
20.500.000/nm

ti
20.500.000/nm

Pay actual cost, up

to 20,500,000 per
year

Pay actual cost, up

to 20,500,000 per
year

Chi tr theo chi

ph thc t, ti a
205.000.000/nm

Chi tr theo chi

ph thc t, ti a
205.000.000/nm

Pay actual cost, up

to 205,000,000 per
year

Pay actual cost, up

to 205,000,000 per
year

Tr cp nm vin (ti a 60 ngy/nm)

205.000/ngy

205.000/ngy

Hospital cash income (up to 60 days/year)

205,000 per day

205,000 per day

Tr cp mai tng

4.000.000

4.000.000

Burial cost

4,000,000

4,000,000

500.000/nm

500.000/nm

500,000/nm

500,000/nm

30.000.000/nm

Khng p dng

30,000,000/nm

Not cover

Dch v vn chuyn cp cu (s dng dch v xe

cu thng ca a phng vi mc ch vn
chuyn khn cp Ngi c bo him ti c s y t
gn nht c kh nng cung cp dch v y t thch
hp, loi tr ng hng khng).
Trong trng hp khng c dch v cu thng ca
a phng, Ngi c bo him c th dng taxi
vi gii hn trch nhim ti 500.000VN/v. Ha
n taxi phi c cung cp vi thng tin lin quan)
Emergency evacuation service (Using local ambulance
services to evacuate the Insured to the nearest medical
establishments which are capable of providing appropriate
medical services, except for air evacuation).
In case no local ambulance service is available, the Insured
may use taxis subject to the limit of liability up to
VND200,000/occurrence. A taxi charge invoice with
relevant information must be provided)

Chi phi i u tri b nh c p tinh cho em be sau sinh

(trong vong 07 ngay sau khi sinh)
Bao gm cc chi ph thuc v xt nghim dng nhi,
chi ph v sinh em b ti cc bnh vin trong vng
07 ngy sau sinh vi iu kin ngi m cha xut
vin
Newborn cover (within 07 days after the childbirth)
Quyn li thai sn ni tr:
Maternity benefits (In-patient)

Sinh thng:
Normal delivery

Vin ph trong thi gian nm vin

Hospital charges during hospitalization

Cc xt nghim, tim phng v iu tr cho sn ph

Examination/Vaccination/Treatment for the Insured

Chi ph cho thm khm trc khi nhp vin (trong

vng 30 ngy)
Pre-Hospitalization Treatment as instructed by a physician
(30 days prior to the hospital admission)

Chi ph sau khi xut vin (trong vng 30 ngy)

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Post-Hospitalization Treatment (30 days following the

hospital discharge)

Chi ph dch v vn chuyn cp cu

Emergency evacuation service

Tr cp nm vin (205.000/ngy)
Hospital cash income (205,000/day)

Chi ph h tr mai tng (4.000.000)

Burial cost (4,000,000)

Cc chi ph y t cho sinh n thng thng khc

Other Medical expenses for normal delivery

Sinh m theo ch nh ca Bc s:
Caesarean section

Vin ph trong thi gian nm vin

Hospital charges during hospitalization

Chi ph phu thut

Surgical operation

Cc xt nghim, tim phng v iu tr cho sn ph

Examination/Vaccination/Treatment for the Insured

Chi ph cho thm khm trc khi nhp vin (trong

vng 30 ngy)
Pre-Hospitalization Treatment as instructed by a physician
(30 days prior to the hospital admission)

40.000.000/nm

Khng p dng

40,000,000/nm

Not cover

Chi tr theo chi

ph thc t, ti a
205.000.000/nm

Khng p dng

Chi ph sau khi xut vin (trong vng 30 ngy)

Post-Hospitalization Treatment (30 days following the
hospital discharge)

Chi ph dch v vn chuyn cp cu

Emergency evacuation service

Tr cp nm vin (205.000/ngy)
Hospital cash income (205,000/ngy)

Chi ph h tr mai tng (4.000.000)

Burial cost (4,000,000)

iu tr bin chng thai sn:

Complication of pregnancy

Pay actual cost, up

to 205,000,000 per
year

Not cover

IU TR NGOI TR (Bao gm chm sc rng)

OUT-PATIENT TREATMENT (including dental)

QUYN LI BO HIM
INSURANCE BENEFITS

n v: VN/Unit: VND
S TIN BO
HIM/NGI/NM
SUM INSURED/PERSON/YEAR

Nhn vin
NSRP

Con ca Nhn
vin NSRP

The NSRP

Children of NSRPs
12

employees

employees

Gii hn ti a/ngi/nm

16.000.000

10.500.000

Maximum limit/ person/ year

16,000,000

10,500,000

Khng gii hn
s tin mt ln
khm

Khng gii hn s
tin mt ln khm

Chi ph khm bnh

Consultation charges

Tin thuc theo k n

Cost of prescribed medicines

Chi ph xt nghim, chun on hnh nh trong vic iu tr

thuc phm vi bo him

No limit/time

No limit/time

Charges made for laboratory tests or X-rays that are used in the
treatment of a covered illness

Vt l tr liu, tr liu hc bc x, liu php nh sng v cc

phng php iu tr tng t khc do bc s ch nh (ti
a 60 ngy/nm)
Radiotherapy, heat therapy or phototherapy and other such
treatment prescribed by a physician (Max. 60 days/year)

Chi tr theo chi

ph thc t, ti a
ti 205.000/ln
khm

Chi tr theo chi

ph thc t, ti a
ti 160.000/ln
khm

Pay actual cost, up

to 205,000 / visit.

Pay actual cost, up

to 160,000 / visit.

2.000.000

Khng p dng

2,000,000

Not available

Khm thai nh k v iu tr bin chng thai sn ngoi

tr
Pregnant routine check-up and Complication of pregnancy (out
Patient)

* Khm thai nh k: L cc chi ph khm, xt nghim, chn

on hnh nh trong qu trnh mang thai bao gm: xt nghim
nc tiu thng thng, xt nghim mu c bn, siu m
(khng bao gm siu m 4D).
Periodic prenatal examination: Any costs or expenses incurred during
any examination, test or diagnostic imaging during pregnancy,
including any regular urine test, basic blood test or ultrasound
(excluding 4D ultrasound).

* Bin chng thai sn: l tnh trng bt thng ca bo thai,

bin chng do nguyn nhn tai nn hoc bnh l pht sinh
trong qu trnh mang thai ca Ngi c bo him (khng
bao gm trng hp sinh non, sinh m theo yu cu) cn iu
tr y t theo ch nh ca bc s.
Pregnancy complication: Any abnormal condition of the fetus or
complication caused by an accident or an illness during the Insureds
pregnancy (excluding premature delivery or requested caesarean)
and requiring medical treatment as prescribed by the attending
Physician

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iu tr rng c bn: Khm chp X-quang rng, ly cao

rng, iu tr vim nu (li), nha chu, trm (hn) rng bng
cc cht liu thng thng (amalgam hoc composite), nh
rng bnh l (bao gm tiu phu), iu tr ty rng
Basic dental treatment: Examination and X-ray, Teeth scaling,
Gingivitis, Normal fillings (amalgam or composite), Extraction of
fault teeth (including minor surgery), Root canal treatment

4.800.000

3.000.000

4,800,000

3,000,000

*Bo him PVI ng m rng quyn li nha khoa ti bt

k phng khm nha khoa hot ng hp php v nm ngoi
danh sch t chi thanh ton c nh km ti ph lc 05
ca hp ng bo him ny

Lu :
1. Tham kho k danh sch bnh vin bo lnh ca PVI theo danh sch km theo
2. Tham kho k cc BV, Phng khm, Nha Khoa v Nh thuc thuc danh sch t chi chi tr tin
bo him ca BH PVI theo danh sch nh km

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