INSURANCE HANDBOOK

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Consultant: GiNET Vietnam

YI DA VIETNAM LIMITED

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HEALTHCARE INSURANCE INSTRUCTION

The Insured : YI DA VIETNAM LIMITED (Member of Crystal International Group Limited)

Policy Number : HCM7.D12.ITC.19.HD19

Address : Song Thao Industrial Cluster - Cam Khe town - Cam Khe district - Phu Tho province, Vietnam

Period of Insurance : From 01/01/2020 to 31/12/2020 (both days inclusive)

Scope of territory : Worldwide

Insurance Company : Baoviet Insurance Corporation

Claims settlement unit

: Baoviet Claim Settlement Department – Baoviet Insurance Corporation

Type of insurance : BAOVIET INTERCARE

The broker

: GiNET Vietnam

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A. BENEFIT

I. CORE PLAN: IN-PATIENT TREATMENT DUE TO DISEASES/ILLNESS AND ACCIDENT (IP) Coverage The Benefits mentioned in this Policy are provided to the Insured Person for medical and

emergency transportation expenses following an illness/accident in the scope of insurance as

specified in this Policy

Currency: VND

IP Select Essential

Area of coverage Worldwide Worldwide

Maximum Aggregate Limit/Sum Insured for the whole insurance

period subject to corresponding sub-limits below: 1.050.000.000 2.100.000.000

1. Room and Board/day 4.200.000 6.300.000

2. Intensive care unit (max 30 days/ disease) Full cover Full cover

3. Companion Accommodation/ person/ day (max 10 days/ year) 1.260.000 1.890.000

4. Hospital Miscellaneous Expenses (charges incurred for medical

supplies and services during an in-patient and/or day-patient treatment)

MRI, PET, CT scans, X-rays, pathology, diagnostic tests

Full cover Full cover

5. Pre-hospitalization examination within 30 days prior to the hospital

admission 21.000.000/year 42.000.000/ year

6. Post hospitalization treatments immediately following hospital

discharge but not exceeding 90 days from the hospital discharge 21.000.000/ year 42.000.000/ year

7. Home nursing (as prescribed by Doctor) - Maximum 30 days/ year 21.000.000/ year 42.000.000/ year

8. Surgical Operation includes:

- Drugs, and materials,

- Necessary surgical appliances prescribed by Physician (not excluded

by the Policy)

- Operating theatre, surgeon, Anesthetizing fees

- Fees for consultation before surgery and post-operation recovery

- Redone operation

(Extend to Day-patient sugery/ Minor surgery/ Out-patient surgery/

Surgical procedures for treatment)

Full cover Full cover

9. Organ Transplantation of Heart, Lung, Liver, Pancreas, Kidney or

Bone Marrow.

Limit per lifetime (*) for each organ

630.000.000 840.000.000

10. In-hospital Specialist Consultation (max. one visit /day and 90

days/year) 4.200.000 /day Full cover

11. Emergency Accidental Pregnancy treatment immediately after an

accident per policy (exl .embryo trophic) Full cover Full cover

12. Emergency Accidental Dental Inpatient Treatment (treatment received

within 24 hours at the emergency room of a hospital immediately

following an accident) per insurance period

21.000.000 Full cover

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IP Select Essential

13. Expenses for transportation in emergency case 21.000.000/year 42.000.000/ year

14. Emergency Medical Evacuation & Repatriation (including by air) Full cover Full cover

15. Emergency Ward Treatment Full cover Full cover

16. Acute mental disorder (in-patient only)

21.000.000 year

105.000.000 /lifetime

(*)

63.000.000 /year

210.000.000 / lifetime

(*)

17. Daily Allowance per night (Up to 20 nights/ year) 105.000 210.000

18. Government Hospital Allowance (Up to 20 nights/ year) 210.000 420.000

19. AIDS/HIV

Cover for treatment occurring during the Insured Period, including the

subsequent renewal year(s), provided that it manifests itself after the

policy has been continuously in effect for a period of five (5) years

since the Entry date.

105.000.000/

lifetime(*)

210.000.000/ lifetime

(*)

20. Burial costs and repatriation of mortal remains/ ashes 60.000.000 100.000.000

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II. OPTIONAL PLANS

PERSONAL ACCIDENT (PA) Manager Executive

Area of coverage Worldwide

Maximum Aggregate Limit/Sum Insured for the whole insurance

period 1.365.000.000 2.730.000.000

Benefit:

This benefit is cover for Death, total/partial permanent disablement due to accident occurring within 104 weeks from the date

of accident provided that the causes of death or disablement must incur within the insurance period and are not excluded by

the Policy:

+ In case of death, total permanent disablement: The Insurer shall pay 100% of Sum Insured

+ In case of partial permanent disablement: The Insurer shall pay reimbursement in accordance with Appendix II – Table of

disability percentage

+ In case an accident resulting in partial permanent disablement

which has been paid by the Insurer, and within 104 weeks from the date of the accident, the insured person is death or totally

permanently disabled as a result of such accident, the Insurer will pay the difference amount between the sum insured stated

in the insurance policy and the amount paid earlier;

+ The total amount of reimbursement for an insured shall not exceed 100% of the Sum insured.

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III. EXTENSION CLAUSES

N

o

.

Extension Clauses Baoviet Intercare

1.

Automatic additional/deletion clause - full year benefit - prorata premium

(Premium of endorsements issued in the year will be paid on balance basic at

the end of the policy)

Applied

2. Premium Warranty (30 days) Applied

3. Motor Cycling Extension Clause Applied - for insured event in scope

of coverage

4. Deleterious food and drink poisoning, gas poisoning and poison gas

suffocation (under Personal Accident schedule) 2,100,000,000/occurrence/policy

5. Expanded to cover for medical materials: physiological saline, deep sea

water (Sodium Clorid, Sterima, Humer ...)

Max: 200,000 VND/visit

Max 500,000 VND/ person/ year

6. Insurance for abnormalities in biochemistry, body metabolism such as

hyperlipidemia, High liver enzyme, low calcium levels or the like Applied

7. Equipment implanted inside the body such as pacemakers, aerosols, stent and

Longo knife for hemorrhoid surgery Fully covered

8.

Diseases due to swine flu, bird flu, influenza A (H1N1), H5N1

(maximum accumulative VND 2.1 billion VND / contract), exclusion of

disease notified by the health authorities (coverage for medical expenses)

Applied

9. Tendon and ligament treatment surgery (apply for new insured) Fully covered

10. Occupational disease extension Applied

11.

Vitamins and minerals supporting the treatment of diseases

Bao Viet shall consider reimbursing the expenses of minerals and vitamins

provided that:

These minerals and vitamins are prescribed by a Physician, and

- These minerals and vitamins are used to accommodate treatment, and

- The prescription of minerals/vitamins must be accompanied by drugs for

treatment, and

- Total expenses for these minerals/ vitamins shall not exceed VND

2,000,000/ year

Applied

12. Counted as one hospitalization day when an Insured Person stay less than 24

consecutive hours in case of overnight in the hospital Fully covered

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Extension Clauses Baoviet Intercare

13. Re-examination directed by doctors but results are normal in medical report Applied

14.

Exemptions for list of medical expenses (for inpatients and outpatients)

Apply for inpatient records less than VND 5,000,000 and outpatient records

less than VND 500,000

Applied

15. Exemption for company stamp and manager's signature on Claim form Applied

16. Exemption for hospital stamp on test results if the test results are enough the

signatures and stamps of doctors (Apply at public hospital). Applied

17. Accepting VAT invoice of medicine issued within 30 days from the date of

prescription Applied

18. Accepting prescription at a hospital with an electronic barcode, no need to be

stamped Applied

19.

Accepting prescription up to 60 days directed by the doctor, but not

exceeding the insurance period and in the list of diseases that require long-

term treatment: applied for chronic diseases

Applied

20.

Coverage for Medical expenses, Death, Permanent Total & Partial

Disablement due to Accident if the insured drives a vehicle without the

driver's license or not valid (Co-pay 50/50).

Applied

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IV. WAITING PERIOD

WAITING PERIOD BAO VIET INTERCARE

For insured who engaged full and over 365 days of insurance time Not applied

For insured who engaged but not enough 365 days of insurance time Apply the waiting period for the remaining time

For new insured person

Accident Not applied

Normal Illness and Diseases Not applied

Special diseases, Pre-existing diseases Not applied

Death due to Normal diseases 90 days

Death due to Pre-existing diseases, Special diseases 365 days

Special Disease

- Cancer and tumors of any kind

- Diseases of heart, liver (hepatitis A, B, C), pancreas, kidney, lung failure

- Diseases related to hematopoietic (blood forming) system including pancreatic failure, acute and chronic

leukemia.

- Growth hormone deficiency.

- Diabetes mellitus. Parkinson’s disease.

Pre-existing conditions

Any medical conditions of the Insured Person which have been diagnosed; or for which symptoms existed

that would cause an ordinary prudent person to seek diagnosis, care or treatment; or for which medical

treatment was recommended by a medical practitioner, irrespective of whether treatment was actually

received or not.

Adenoidectomy, Tonsillectomy, Septoplasty (Deviated nasal septum surgery), vestibular disorders,

asthma, middle ear infection (otitis media) surgery, Sinusitis, Degenerative diseases of the vertebral

column/joints, Hemorrhoid Surgery, Herniated disc, polyps.

Normal Diseases

They are acute diseases which have no long-term incubation period, newly arising and treating completely,

no repeating many times as chronic disease

For example: dengue fever, urticaria, allergic rhinitis, appendicitis, fever….

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IV. GENERAL EXCLUSIONS

War, invasion, act of enemy, hostilities or warlike operations, civil war …

Injury, sickness, illness or disease sustained as a result of a criminal act of the policyholder

or insured person, violation or attempted violation of law and resistance to lawful arrest or any

resultant imprisonment.

Suicide, self-injury or willful exposure to peril (other than in an attempt to save human life),

The Insured’s act of fighting, unless such act can be proved that it is only a defense against

an attack, participation in or training for any professional sport activities or any form of

professional race or competition.

Treatment for sleep related breathing disorders (including snoring), fatigue, or stress.

The Insured is under treatment for alcoholism, drug or substance abuse or any addictive

condition of any kind and any injury or illness arising directly or indirectly from such abuse or

addiction.

Any normal eye test/examination, normal hearing test/examination, non-medical/natural

refractive eye defects and any corrective surgery for non-medical/natural degenerative sight and

hearing defects

Any type of treatment for Beauty purpose, cosmetic or plastic surgery unless it is re-

constructive surgery necessitated by an accidental injury that occurred during the period of

insurance stated on the Policy. Treatment for obesity, weight reduction and weight improvement

programs.

Cost of acquisition of organ for transplant

Any investigation test or treatment which directly or indirectly results from or is related to infection

by, which includes sero-positivity to, any Human Immunodeficiency Virus (HIV) or Acquired Immune

Deficiency Syndrome (AIDS)

(Other exclusions please refer to the exclusions in insurance policy)

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C. CLAIM INSTRUCTION

I. DIRECT BILLING

Insurance card is issued to each employee for inpatient treatment/ surgery following by diseases/sickness/illness

at the hospital/ clinic in Bao Viet’s direct billing network.

DIRECT BILLING PROCEDURE

Note 1: The insured person / representative should carefully check all charges during the treatment

process, compare with the amount of the Direct billing Division and the payment of fees paid by Bao

Viet Insurance before signing the insurance vouchers

Note 2:

- Customers can call the Hotline Guarantee Department of Bao Viet (after the card) for direct

instructions in emergency case and for emergency medical transportation services.

- Customers can call GiNET directly for instructions on collecting documents or direct billing

procedure.

2

Deposit (if any)

Some hospitals (Vinmec, Viet Phap, etc.)

may require a deposit in advance depending

on the severity of the case in order to prove

financial

3

Check direct-billing

At the time of discharge, after

completing the medical procedures, Bao

Viet and the hospital will consider and

approve the direct billing for customers

1

Present the Insurance card

The Insured or his representative must

present the insurance card and ID

card/passport to the Direct billing

department of hospital

4

Sign the claim form

Before hospital discharge, Insured or his

representative recheck all charges when

signing the claim form & any medical

treatment documents, invoices that the staff

of the hospital/ clinic guide and pay medical

expense which is not under direct billing (if

any) 5

Case of refusal of direct billing

In case of refusal of direct billing, the

insured will pay to the hospital charges

and claim with the insurance company

later

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Note 3: During the holidays, Bao Viet may not handle direct billing due to insufficient information or

the Direct billing Division of hospital does not work. In that case, please kindly pay in advance and

claim later.

Note 4: Hospital guarantee does not apply to:

- Treatment of accidents; Emergency treatment

- Allowance

- Expenses for examination and testing before admission and re-examination after discharge

(*)

(*) The claim back will be resolved after Baoviet received the guarantee medical papers from

the hospital.

- Dental treatment

Note 5: In case of Bao Viet can not haldle direct billing lack of information or need to evaluate and

confirm further information, please kindly pay in advance and claim later.

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II. CLAIM BACK

1. Claim back Procedure

Note 1: Please kindly declare exaclty and sufficiently information in Claim form

Note 2: In order to check online claim document, please kindly send photos of medical papers via email:

Title mail: Yi Da – Claim document – Name of Insured

To: cskhhn@ginet-vn.com

Cc: maiptq@ginet-vn.com - Ms Mai: 0904990910

huongttt@ginet-vn.com - Ms Hường: 0913908559

thaovtb@ginet-vn.com - Ms Thảo: 0396694364

Note 3: Please kindly send the hard copy of claim document to GiNET as following address:

GiNET Vietnam - Room 3, Floor 11, Harec Building, 4A Lang Ha, Ba Đinh Dist, Hanoi

Mr Hùng Chiến: Tel: +84 247 1080 668 (ext: 106) - Phone: 0838 830 038

Note 4: The Insured Person is entitled to claim compensation for Bao Viet Insurance within 6 months from

the date of receiving the notice of Bao Viet Insurance and any claim can not exceed 03 years from The date

of the event that resulted in the complain

Note 5: Deadline of making a claim request is within 180 working days form the end date of treatment

period or date of death.

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2. Claim document

Document for inpatient treatment

1 Claim Form

2 Hospital discharge form

3 List of hospitalization expenses (including room charge)

4 Minor surgery/ surgery certificate (in case of minor surgery / surgery)

5 Prescriptions, indications and results of examination, testing

6 VAT invoice/ Particular invoice

Document for out patient treatment

1 Claim Form

2 Examination form /medical examination book (clarify doctor's diagnosis and conclusions)

3 Prescription

4 VAT invoice/ electronic invoice

5 Retail invoice with the seal of the pharmacy/ hospital in case of under 200,000 VND

Document for medical treatment due to accident

Beside the documents as above instruction (inpatient and out patient), in case of accident Insured need have:

1 Accident report

2 Minutes for handling accidents and other documents of the police (if any)

3 Minutes of injury assessment (if any)

4 Photo of driving license (in case of driving from 50cc)

5 Death certificate (death case)

Note: - Medical documents need to have a sign of the hospital/ medical establishment.

- Insured fill information in Claim form with company stamp and signature of management.

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3. Medical document sample

a. Hospitalization discharge

b. Surgical certificate

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c. Detailed list of hospital fees

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d. Treatment book/ record

Diagnostic

Hospital/ Department

stamp

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e. Medical Report

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f. Prescription

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g. Indication Paper of tests

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h. Test results

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i. Physical therapy appointment form and physical therapy schedule table

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j. Receipt

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k. VAT invoice

VAT traditional invoice

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Red invoice converted from electronic invoice

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D. CONTACT FOR SUPPORT

Address

Address for sending

claim papers

GiNET Vietnam - Room 3, 11st Floor, Harec Building, No. 4A Lang Ha, Ba Dinh, Hanoi

Mr. Hùng Chiến: chiendh@ginet-vn.com

Tel: +84 247 1080 668 (ext: 106) - Phone: 0838 830 038

BaoViet’s hotline

BAOVIET Insurance Corporation

Hotline 24/7: 0904 832 888/ 0906 633 757

GiNET’s hotline

Hotline in Vietnamese:

Ms Quỳnh Mai maiptq@ginet-vn.com

Tel: +84 247 1080 668 (ext: 103) - SĐT 0904 99 0910

Ms Huong huongttt@ginet-vn.com

Tel: +84 247 1080 668 (ext:124) - SĐT 0913908559

Hotline in English:

Ms Quỳnh Mai maiptq@ginet-vn.com

Tel: +84 247 1080 668 (ext: 103) - SĐT 0904 990 910

Ms Bích Thảo thaovtb@ginet-vn.com

Tel: +84 247 1080 668 (ext: 105) - SĐT 0396 694 364