Tiếng Việt
Critical Illness (CI) Insurance
Pays a tax-free lump sum when you’re diagnosed with a covered serious illness—so you can fund treatment, replace income, or protect your family/business without draining savings.
Target clients
- Individuals and families
- Business owners
- Employers offering staff benefits (core cover for key people or voluntary buy-up for all employees)
Core protections
- One-off lump-sum payout on first diagnosis of a listed illness.
- Typically covers cancer, heart attack, stroke, kidney failure, major organ transplant, paralysis, coronary bypass, multiple sclerosis, and other serious conditions (exact list by insurer).
- Money can be used for treatment, home care, loan payments, or everyday expenses—no hospital bills required.
- Common policy features: a short waiting period from policy start and a survival period (e.g., 14–30 days) after diagnosis.
Add-on protections
- Early-stage/partial payout for certain conditions.
- Multiple-claim or “second event” benefits (for a different illness).
- Premium waiver after a CI claim or disability.
- Spouse/child riders, wellness checkups, and second medical opinion services.
- Employer plans: graded sums insured by level, voluntary top-ups, and flexible budgets.
Results you can expect
- Financial breathing room to choose the best care quickly.
- Protect personal savings and business cash flow during recovery.
- Stronger employee benefits for attraction & retention (for group plans).
- Simple—cash paid on diagnosis, you decide how to use it.
Vietnam Legal Requirements
Is it mandatory in Vietnam? No. Critical Illness insurance is voluntary. It complements state health insurance and private medical plans by providing a cash payout on diagnosis.
