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Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

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M-Flexcare Global Health Insurance

Proactively manage your finances against unexpected risks in life.

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Maximum age at policy maturity	65 years old
Policy term	1 year
Premium payment term	Annually
Waiting period	Accidents: Coverage takes effect immediately after full premium payment. Dental treatment, treatment and death due to common illnesses: 30 days. Maternity treatment, miscarriage, abortion, ovarian cyst removal as prescribed by a doctor / maternity. complications: 60 days. Normal delivery or cesarean section: 270 days. Treatment or death due to pre-existing or special diseases: 365 days (for the first policy year or non-continuous renewal).

Maximum Sum Insured per Person
BENEFITS	Bronze Plan	Gold Plan	Platinum Plan	Diamond Plan
I. ACCIDENT INSURANCE
1. Death / Total Permanent Disability due to accident (100% Sum Insured)	200,000,000	500,000,000	1,000,000,000	2,000,000,000
2. Medical expenses due to accident	20,000,000	50,000,000	100,000,000	200,000,000
II. INPATIENT TREATMENT INSURANCE FOR ILLNESS, DISEASE AND MATERNITY	75,000,000/ year	150,000,000/ year	300,000,000/ year	450,000,000/ year
A. INPATIENT TREATMENT FOR ILLNESS AND DISEASE
1. Hospitalization: Medical treatment expenses incurred during hospitalization as prescribed by the attending physician.	1,500,000/ day	3,000,000/ day	7,000,000/ day	12,000,000/ day
	50,000,000/ year	100,000,000/ year	200,000,000/ year	300,000,000/ year
2. Surgery Expenses: Expenses related to an inpatient surgery/procedure or outpatient surgery	50,000,000/ year	100,000,000/ year	200,000,000/ year	300,000,000/ year
3. Pre-Hospitalization Treatment Expenses. Annual limit: (Covers one consultation within 30 days prior to hospitalization)	2,000,000	5,000,000	12,000,000	20,000,000
4. Post-Hospitalization Treatment Expenses (within 30 days). Annual limit	2,000,000	5,000,000	12,000,000	20,000,000
5. Hospital Cash Allowance (60 days/year) Applicable only to hospitalization at public hospitals.	50,000/day	120,000/day	250,000/day	400,000/day
6. Home Nursing Care Expenses (within 15 days after discharge). Annual limit	2,000,000	5,000,000	12,000,000	20,000,000
7. Ambulance / Emergency Road Transport Expenses. Annual limit	2,000,000	5,000,000	10,000,000	15,000,000
8. Funeral Allowance applicable in the event of death during hospitalization.	2,000,000	2,000,000	5,000,000	5,000,000
9. Rehabilitation Benefit when hospitalized for inpatient treatment due to illness or disease, as agreed by the parties. The benefit is paid based on the daily limit specified in Item 1A, Section II, but not exceeding the following amount.	500,000/year	2,000,000/year	3,000,000/year	5,000,000/year
10. Cancer Treatment Coverage for hospitalization or surgery related to cancer treatment (in accordance with Items 1A to 6A of Section II – Inpatient Treatment for Illness and Disease), subject to mutual agreement between the parties and not exceeding the specified limit	10,000,000	15,000,000	30,000,000	40,000,000
B. MATERNITY INPATIENT COVERAGE (CHILDBIRTH AND MATERNITY COMPLICATIONS)
Coverage agreed upon by the parties, including benefit limits under Items 1A to 7A of Section II, but not exceeding the following annual sum insured	10,000,000	20,000,000	40,000,000	60,000,000
1. Normal delivery / maternity complications	5,000,000	10,000,000	20,000,000	30,000,000
2. Cesarean delivery	10,000,000	20,000,000	40,000,000	60,000,000
III. DEATH / TOTAL PERMANENT DISABILITY DUE TO ILLNESS OR DISEASE	100,000,000	250,000,000	500,000,000	1,000,000,000
IV. OUTPATIENT BENEFITS FOR ILLNESS, DISEASE AND BASIC DENTAL CARE (Combined annual limit for both benefits)	5,000,000	12,000,000	20,000,000	30,000,000
1. Outpatient consultation and treatment	500,000/visit	1,200,000/visit	2,000,000/visit	3,000,000/visit
2. Basic dental care (annual limit)	1,000,000	2,000,000	5,000,000	10,000,000
V. HOSPITAL BENEFIT DUE TO ACCIDENT
Maximum Sum Insured per year	6,000,000	12,000,000	18,000,000	60,000,000
Allowance payable during hospitalization for treatment of injuries caused by an accident, calculated per day of hospitalization.	100,000/day	200,000/day	300,000/day	1,000,000/day
Maximum number of days per year	60 days.
Benefits subject to mutual agreement between the parties.	For minor accidents not requiring surgery, the hospitalization allowance is limited to a maximum of 5 days per hospitalization episode and up to 2 hospitalizations per year. For Platinum and Diamond plans, the hospitalization allowance is up to twice the medical treatment expenses already paid by the insured, with a minimum allowance equivalent to 1 day of hospitalization.

Frequently Asked Questions

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If a customer has two health insurance policies, how will the insurance benefits be paid?

27/03/2026

If a customer has two valid health insurance policies, GIC will reimburse medical treatment expenses within the coverage scope of the policy. The total reimbursement amount will not exceed either the actual medical invoice or the combined benefit limit of the two policies, whichever is lower.

How many days after policy expiry can customers renew the insurance policy?

27/03/2026

Customers who purchase insurance through MSB may renew their policy within a maximum of 7 days from the expiry date and still be considered a continuous renewal (no waiting period applied). However, the renewed insurance certificate will only take effect from the date the renewal premium is paid.

Is physiotherapy treatment covered by insurance?

27/03/2026

Yes. Insurance covers physiotherapy treatment expenses when the treatment is prescribed and deemed medically necessary by a doctor. The reimbursement ranges from VND 50,000 to VND 100,000 per day, up to 60 days per year, applicable to Gold, Platinum, and Diamond plans.

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Applicable customers	Individual customers residing in Vietnam in accordance with MSB regulations.
Conditions	Customers aged from 60 days old to no more than 65 years old at the start date of the insurance coverage and meeting the product eligibility requirements. Customers may continue coverage up to 65 years old, provided that they have been continuously insured since the age of 60. Children under 6 years old must participate together with a parent under the same insurance policy.

Khách hàng cá nhân

MSB Digital Bank

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Vietnam Maritime Commercial Joint Stock Bank

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M-Flexcare Global Health Insurance

M-Flexcare Global Health Insurance

What makes it special?

Comprehensive protection with flexible benefit options

Nationwide hospital guarantee

Fast and convenient claims process

Product information

Frequently Asked Questions

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