Liberty is a subsidiary of Liberty Mutual Insurance (www.LibertyMutual.com), an America diversified global insurer founded in 1912 and based in Boston, Massachusetts.

As of December 31, 2014, Liberty Mutual Insurance had $124.3 billion in consolidated assets and $39.6 billion in annual consolidated revenue making it the 3rd largest casualty insurer in the United States and the 6th largest in the world and the 78th largest corporation in the United States.

Liberty HealthCare gives you complete peace of mind through a range of unique features and optional medical insurance covers.

  • Cover for both illnesses and accidents
  • Medical examination and treatment in Vietnam or overseas
  • 24-hour global medical assistance by International SOS
  • Free annual medical check-up & vaccination
  • No limit on hospital services or the number of hospitalization days
  • Full cover for surgical expenses, oncology treatment, local ambulance service, organ transplant and home nursing.
  • Emergency medical evacuation and repatriation in Vietnam or oversea
  • No waiting period for special disease
  • No limit on the number of doctor’s visits or the cost of each doctor’s visit
  • Flexible choices for hospitalization, outpatient, maternity care and dental benefits
  • Transparent, fast and fair claims procedure

Territorial scope

  • Zone 1: Worldwide subject to VND44,000,000 deductible for any disability in USA and Canada
  • Zone 2: Vietnam, China, Thai Lan, Taiwan, Laos, Cambodia, South Korea, Japan, Malaysia, Indonesia and Philippines
  • Zone 3: Worldwide
  • Zone 4: Worldwide excluding USA and Canada

Optional benefits

  • Outpatient
  • Dental
  • Maternity (available for group of at least 10 members)

Brief summary of benefits:

Major Hospital Services (VND) Classic, H1 Executive, H2  Premier, H3
Hospital Services Overall Annual Limit 2,200,000,000/year 6,600,000,000/year 22,000,000,000/year
All Hospital Services Fully Covered Fully Covered Fully Covered
Room and Board – per day Standard Private Room, up to 5,500,000 Standard Private Room, up to 7,150,000 Standard Private Room
Intensive Care Unit – per day Fully Covered Fully Covered     Fully Covered
Companion Bed – per day
(accompanied dependent child below 18, max 10 days/year)
Fully Covered Fully Covered     Fully Covered
Oncology Treatment
Max per policy year
Fully Covered Fully Covered     Fully Covered
Day Case Treatment, Max per policy year 110,000,000 Fully Covered     Fully Covered
Organ Transplant Fully Covered Fully Covered Fully Covered
Emergency Ward Treatment Fully Covered Fully Covered Fully Covered
Emergency Dental Treatment, Max per policy year 220,000,000 440,000,000 1,100,000,000
Emergency Medical Evacuation / Repatriation Fully covered Fully covered Fully covered
Repatriation of Mortal Remains Fully covered Fully covered Fully covered

 

Outpatient Services Classic – H1 Executive – H2 Premier – H3
Outpatient Annual Overall

Limit:

110,000,000 110,000,000 Subject to VND22,000,000,000
General Outpatient Services, Specialist, Lab tests, X-Ray, Prescribed drugs Fully Covered
Chinese Herbalist, Bonesetter & Acupuncture

(Limit per visit, max 10 visits per policy year)

990,000 per visit limit
Physiotherapy and Chiropractor Treatment (upon referral)

(Limit per visit, max 15 visits per policy year)

1,320,000 per visit limit
Hormone Replacement Therapy 44,000,000 / year
Annual Medical Examination / Vaccination/ Work Permit Medical Check-up 3,000,000/year

Download Brochure – Liberty Healthcare – Brochure – English

Liberty MediCare is a comprehensive health insurance product specially designed for the Vietnam market with a range of unique benefits.

Group & family discounts as well as many flexible medical insurance benefit options will ensure we can meet your needs.

  • Cover for both illnesses and accidents
  • No limit on hospital services or the number of hospitalization days
  • Full cover for surgery, organ transplant, home nursing, day care treatment, local ambulance service and domestic medical emergency evacuation
  • No waiting period for special disease
  • No limit on the number of doctor’s visits or the cost of each doctor’s visit
  • Most suitable for families and small and medium enterprises
  • Employees can claim directly from Liberty, which reduces logistical burden for Human Resource department
  • Transparent, fast and fair claims procedure

Territorial scope

Vietnam

Optional benefits

  • Outpatient
  • Dental
  • Maternity (available for group of at least 10 members)

Brief summary benefits:

Hospital Services (VND) Plan M1
Bronze
Plan M2
Silver
Plan M3
Gold
Plan M4
Diamond
Area of Cover Vietnam
Hospital Services Overall Annual Limit 120,000,000 250,000,000 500,000,000 1,000,000,000
Surgeon fee, operation room, surgical appliances, investigations, nursing and hospital charges, etc. Fully covered
Room and board per day 1,000,000 1,500,000 2,500,000 4,000,000
Intensive Care Unit per day 2,500,000 4,000,000 6,000,000 15,000,000
Organ transplant, Reconstructive surgery, Surgical implants Fully covered
Oncology Treatment 50,000,000 100,000,000 250,000,000 Fully covered
Day case treatment – Admitted to a Hospital bed but does not stay overnight – Max per policy year Fully covered
Local Ambulance
Service – The medically necessary road ambulance transportation services to and from a local Hospital Fully covered
Organ Transplant – In respect of kidney, heart, liver and bone marrow transplants (Max per Sickness or Injury) Fully covered
Emergency Ward Treatment – Services performed in a Hospital casualty ward or emergency room for a period of not more than 24 hours 6,000,000 10,000,000 15,000,000 Fully covered
Emergency Dental Treatment – Max per policy year N/A N/A 20,000,000 50,000,000
EMERGENCY MEDICAL EVACUATION / REPATRIATION
Repatriation of Mortal remains Fully covered
OUTPATIENT SERVICES
Outpatient Annual Overall Limit 10,000,000 15,000,000 20,000,000 30,000,000
General PR actioner & Special care, Physical therapy, occupational therapy and speech therapy, General Outpatient Services, Specialist Outpatient Services, Laboratory and x-Ray Services, Prescribed Drugs (upon referral) Fully covered
Chinese Herbalist, Bonesetter & Acupuncture 150,000/ visit 150,000/ visit 200,000/ visit 300,000 / visit
Physiotherapy and Chiropractor Treatment (upon referral) 200,000/ visit 300,000/ visit 400,000 / visit 600,000 / visit

 

ELIGIBILITY CRETERIA
Plan M1 & M2
Bronze & Silver
Plan M3 & M4
Gold & Diamond
Insured people –          Full time employees
– Dependents of employees, including spouse and children
–          Family including wife/husband & children
–  Full time employees
– Dependents of employees, including spouse and children
Age of inception –          New members: from 15 days to 64 years old
– Renewal members: maximum74 years old
Minimum number of Insured people 20 2

 Download Brochure – Liberty Medicare-Brochure – English

Cancer treatment is a relentless journey, and a huge burden of finance and time. It’s also a mental crisis not only to patients but also their family. ​​

As our desire to accompany cancer patients, to share with their financial burden, Liberty Insurance  introduce a special insurance product – Liberty CancerCash which may hopefully help customers be financially and mentally prepared for a qualified life despite such misfortune. Liberty CancerCash Insurance package offers preeminent benefits as followed:

– Coverage at any stage of cancer according to the insurance plan

– 100% sum insured reimbursement once as soon as diagnosis is completed, allowing financial initiative to carry out treatment on time.

– A budget insurance premium, simple and flexible payment method (once or periodically)

– Full insurance coverage is automatically renewed in every 5 years.

– Explicit, fast and fair claims procedure within 15 working days.

Brief summary benefits

Schedule of benefits (VND) Classic Executive Premier
Sum insured 250,000,000 500,000,000 750,000,000
Area of cover Vietnam
If cancer occurs after the policy has been in force for 180 days 100% of sum insured
If cancer occurs after the policy has been in force for 90 days 70% of sum insured
Minimum survival from the date of having been diagnosis of cancer  14 days
Cover for all stages of cancer except skin cancer

 Age Eligibility:

  • From 1 to 74 years old
  • 55* – 74*: available for renewal only

Download Brochure (Vietnamese version only) – Liberty CancerCash insurance – Vietnamese

Liberty TravelCare provides superior protection for individuals and families travelling abroad with many flexible benefit options matching your needs.

Eligibility:

Age limit at inception:              Maximum 75 years old

Citizenship:                             Available to Vietnamese citizens and permanent residents in Vietnam

Length of trip: for single trip insurance policies, they shall not exceed 180 days; for annual insurance policies, there is no limit on the number of trips but the length of one trip shall not exceed 90 days

Brief-summary of benefits:

With a minimum premium of US$1 per person per day, Liberty TravelCare will give you and your family comprehensive protection against such risks as:

Maximum coverage of Major benefits (VND) Classic Executive Premier
Overseas and local medical treatment expenses for illnesses and accidental bodily injuries 1,000,000,000 1,600,000,000 2,400,000,000
 Overseas compassionate visit 40,000,000 60,000,000 100,000,000
Trip cancellation or postponement 50,000,000 80,000,000 120,000,000
Travel delay – 2,400,000/6 consecutive hours, max 12,000,000 12,000,000 12,000,000
Travel / Flight misconnection: for 6 full consecutive hours of delay due to flight misconnection while overseas 3,000,000 3,000,000 3,000,000
Loss of or damage to baggage or personal effects 30,000,000 40,000,000 60,000,000
Loss of money; travel documents 2,000,000; 24,000,000 3,000,000; 24,000,000 6,000,000; 24,000,000
 ​Loss of or damage to the household contents
in Vietnam residence due to fire
20,000,000 30,000,000 60,000,000

 Download brochure – TravelCare -Brochure – English

Liberty AutoCare offers a comprehensive coverage to protect your vehicles, providing you assurance on the road.

  • The most comprehensive coverage, including hydraulic stroke insurance
  • Repair at qualified garages nationwide
  • Up to 2 claims per year for partial theft coverage
  • New vehicle replacement for total loss occurring within 12 months from the purchasing date of the new vehicle
  • 24/7 road assistance service (provision of information; free towing service up to 300km/​ per year in case of accident, vehicle breakdown, flat tire, gas running out, etc.)

Download brochure (in Vietnamese version only) – Liberty AutoCare -Brochure – English

Liberty HomeCare provides comprehensive protection against the loss of or damage to your home and its contents caused by fire or special perils, personal injury and public liability arising from an accident on your premises.

MATERIAL DAMAGE

Cover for loss of or damage to the property insured caused by fire or any of the following perils:

  • Fire
  • Lightening or thunderbolt
  • Explosion
  • Riot, strike, locked-out workers, malicious act
  • Earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm and flood
  • Escape of water from any tanks, apparatus or pipe
  • Sprinkler leakage
  • Impact damage by aircraft or other aerial devices and/or articles dropped therefrom
  • Theft or attempt thereat​​

PERSONAL AND FAMILY LIABILITY 

Compensation for third party claims resulting from accidental​l bodily injury and/or damage to property happening when the Insured is the owner or occupier of the building.

FAMILY PERSONAL ACCIDENT

Compensation for death, permanent disablement and medical expenses up to 10% of Capital Sum Insured per Insured Person

COMPLIMENTARY BENEFITS

  • Loss of or damage to servant’s personal effect
  • Additional expenses of alternative accommodation
  • ​​Compensation for death of the Insured​

Download brochure – Liberty HomeCare -Brochure -English