‘Live Healthy Every Day’ (Version 2024) is expected to be a ‘3 No’ healthcare solution for customers: ‘No worries’ with protection benefits up to 2 billion VND/year and a quick and easy benefit payment process; ‘No constraints’ by allowing customers to proactively and flexibly choose insurance benefits that suit their personal needs; ‘No ‘if only’ with a wide range of protection and a long protection period up to 75 years old, customers will not regret not protecting their health sooner.
Unlike many health insurance products currently on the market, Manulife Vietnam's 'Healthy Living Every Day' allows customers to easily choose to participate in insurance benefits that suit their needs without complicated binding conditions. Specifically, in addition to the default inpatient treatment benefit, customers can optionally participate in any other benefits such as outpatient, maternity, dental, etc., helping to optimize costs and expand the scope of protection.
With the default inpatient treatment benefit, ‘Song Khoe Moi Ngay’ increases the payment limit for inpatient treatment (non-surgical) compared to the previous version, helping to relieve customers' worries when receiving inpatient treatment without surgery. In addition, customers are also supported with other special treatment costs such as: kidney dialysis, organ transplant, treatment or surgery costs during the day, hospitalization allowance... With cancer treatment benefits, in addition to common forms of treatment such as inpatient treatment, chemotherapy, outpatient radiotherapy, the product ‘Song Khoe Moi Ngay’ also expands payment for treatment during the day. Especially in the case of breast cancer, ‘Song Khoe Moi Ngay’ also covers the cost of breast reconstruction after mastectomy, providing comprehensive protection for customers who are unfortunate enough to contract the disease.
With optional benefits (outpatient treatment, dental treatment, maternity), customers can choose different levels of protection (Titanium, Gold, Platinum, Diamond) according to their needs. The payment limit for outpatient treatment is from 6-60 million/year, for dental treatment is from 3-25 million/year, for maternity benefits is from 12-70 million for each pregnancy.
In particular, ‘Healthy Living Every Day’ extends the insurance age to 75 years old (compared to 70 years old previously), helping to reduce the medical burden for the elderly from common health risks such as cancer, stroke, diabetes, osteoporosis, respiratory diseases, etc. In addition, for insurance programs from Gold level and above, customers are also paid additional medical allowance benefits for each day of hospitalization when treated at public hospitals.
Ms. Tina Nguyen, General Director of Manulife Vietnam said: “Given the reality of rising illness and medical costs, health insurance has become a top concern for all Vietnamese families. We have listened and carefully researched the needs of different customer segments when designing the new version of the product ‘Live Healthy Every Day’. We believe that the improvements and differences of this product will bring maximum peace of mind to customers.”
Previously, Manulife Vietnam introduced the life insurance product 'An Tam Vui Song 2.0'. This is a term insurance product line that intelligently combines with cumulative benefits, with many outstanding features such as short premium payment periods (3/5/10 years) but long-term protection (15/20/30 years). In particular, customers are also committed by Manulife Vietnam to refund up to 110% in the contract year with the highest refund benefit.
As the largest foreign-invested insurance company in the life insurance market, Manulife Vietnam is serving nearly 1.5 million customers with a modern network of offices across the country. In the first 9 months of 2024, Manulife paid more than VND 6,000 billion in insurance benefits to customers. On average, Manulife Vietnam processes more than 41,000 insurance benefit claim applications per month, with an average processing time of only 1.1 days for each claim.
