Cyber care credit card insurance

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Card Insurance
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Cyber Care

Card Insurance
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Cyber Care

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Privilege for credit cardholder

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Cyber Care: is an upgraded version of the Cyber Care Basic insurance package, adding coverage to protect cardholders from risks associated with providing OTP codes and CVV numbers through fraudulent calls, which are becoming increasingly common.

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1. Insurance benefits and maximum compensation limit

Cybersecurity insurance benefit

Benefits	Compensation limit
- The cardholder provides account information, including username, password, and OTP code, on fake websites impersonating the brands of VIB, Vietcombank, Techcombank, BIDV, MB, VPBank, ACB, Agribank, TPBank, VietinBank, WesternUnion, MoneyGram, through electronic communications or phishing emails from financial institutions, leading to electronic fraud. - The cardholder installs malware or accesses fake websites impersonating the brands of VIB, Western Union, MoneyGram, or fake websites of regulatory agencies, resulting in financial loss. - A third party uses malware installed on the cardholder's electronic devices to access identification information, login credentials, and insured accounts of the policyholder, in order to commit payment fraud from the credit card of cardholder at VIB by using this information. - Financial losses of the policyholder arising directly from cardholder providing account information including username, password, credit card number, CVV number, and OTP code during a phone call impersonating a VIB employee.	- 20 mios/incident (max 100 mios/year) - Impersonation Call Benefits: Max 1 incident/year

Benefits

Compensation limit

- The cardholder provides account information, including username, password, and OTP code, on fake websites impersonating the brands of VIB, Vietcombank, Techcombank, BIDV, MB, VPBank, ACB, Agribank, TPBank, VietinBank, WesternUnion, MoneyGram, through electronic communications or phishing emails from financial institutions, leading to electronic fraud.

- The cardholder installs malware or accesses fake websites impersonating the brands of VIB, Western Union, MoneyGram, or fake websites of regulatory agencies, resulting in financial loss.

- A third party uses malware installed on the cardholder's electronic devices to access identification information, login credentials, and insured accounts of the policyholder, in order to commit payment fraud from the credit card of cardholder at VIB by using this information.

- Financial losses of the policyholder arising directly from cardholder providing account information including username, password, credit card number, CVV number, and OTP code during a phone call impersonating a VIB employee.

- 20 mios/incident (max 100 mios/year)

- Impersonation Call Benefits: Max 1 incident/year

Personal incident benefit

Benefits	Compensation limit
Accidental death and permanent disability insurance	40 mios/person/year
Medical expenses for accident-related injuries treatment per year	4 mios/person/year (max 200,000 dong/incident)
Hospitalization allowance in case the cardholder undergoes inpatient treatment due to an accident	400,000 dong/person/year (max total day/year: 10, cost: 40,000 dong/year)

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2. Insurance fee

Insurance fee

Payment period	Insurance fee (included VAT)
1 month	43,000
3 months	129,000
6 months	258,000
12 months	509,000

Payment method: Insurance premiums are automatically charged to the credit card limit.
If the cardholder does not request cancellation before the expiration date display on insurance certification, the insurance package will automatically renew, and the fee will be automatically charged to the credit card according to period of the registered package.
In case the cardholder requests to cancel the insurance, the paid insurance premiums will not be refunded. The cardholder will remain insured until the insurance coverage expires.

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3. Compensation handling process

Cybersecurity insurance benefit

Steps	Timeline
Cardholder call VIB Hotline to provide information and requests to block the card	Immediately, no later than 30 minutes after discovering that the insured card has been charged
Cardholder reports to the police (except in force majeure cases)	Within 24 hours after discovering the charge
Cardholder reports to VBI (except in force majeure cases) for consultation	Within 24 hours after discovering the charge
Cardholder sends a claim letter for financial losses to VIB	VIB checks and provides the result of the claim, either partially or fully rejecting the compensation for the loss.
Cardholder sends hard documents to VBI	Within 60 days from the date of the first compensation request
Cardholder provides the account verification request from VIB (if required by VBI)	Within 30 days
VBI pays the insurance amount to the policyholder for a valid claim request	Within 15 days after receiving all required compensation documents

Personal incident benefit

Steps	Timeline
The policyholder submits documents to VBI through the MyVBI app or submits original/certified copies of documents to VBI's office	Immediately, no later than 14 days from the date of the insured event
VBI pays the insurance amount to cardholder for a valid claim request	Within 15 days after receiving all required compensation documents

Inform incident or consult insurance claim procedure, please contact to VBI Insurance via Hotline 19001566
Send hard documents to VBI Address: Vietinbank Insurance - Floor 4, ICON4 Building, 243A De La Thanh, Lang Thuong Ward, Dong Da District, Ha Noi.
View Terms and Conditions here

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4. How to register

Please contact to VIB Callcenter via Hotline 1900 2200

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Note:

The insurance coverage will automatically terminate if all credit cards have expired, been canceled, incurred overdue debt, or been locked due to violations of the terms and conditions of using the VIB credit card.
Keep a complete record of the details of the fraud that led to the loss of money from the account (including communications with the fraudster, access/download history of applications on electronic devices, etc.).

The information on the website only provides a general overview of the product's features. The specific benefits and regulations will follow the terms and conditions of the insurance policy approved by the Ministry of Finance. Please refer to the insurance terms and conditions and access the relevant insurance rules as listed by the official document to fully understand the product's characteristics.

This product is offered by VietinBank Insurance Corporation (VBI) under the approval letter from the Ministry of Finance and distributed by Viet International Bank (VIB).

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