Family care credit card insurance

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Card Insurance
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Family Care

Card Insurance
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Family Care

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Privilege for credit cardholder

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Family Care: Protects cardholders against fundamental risks such as injury and accidental death, with additional educational support for children of up to 30 million VND per year, plus an extra 2 million VND for each renewal year. Cardholders can purchase coverage for themselves and their families to enhance protection

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1. Benefits for VIB credit cards with card insurance registration

Free 100% below charging fee (*):

Card product change fee
Card limit adjustment fee
Auto debit service fee
Dispute fee
PIN reissue fee
Statement/Sales slip retrieval fee

No limited quantity of eligible customers

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2. Insurance benefits and maximum compensation limit

Risk of Accidental Death or Permanent Disability

The insured incidents	Compensation limit
Accidental Death or Total Permanent Disability: Full insurance payout. Partial Permanent Disability due to Accident: Compensation based on the disability percentage	Up to 50 million VND per year

Income Loss Allowance for Partial Disability

The insured incidents	Compensation limit
Payout is based on the percentage of the Lump Sum Allowance stated in the Insurance Certificate. The percentage varies for each specific injury outcome	Compensation is based on the partial disability table. Up to 50 million VND per year

Hospitalization Allowance for Accidents

The insured incidents	Compensation limit
The accident must fall within the covered scope and not violate any exclusions. Hospitalization must last at least 24 consecutive hours and occur within 30 days of the accident. Hospitalization must be medically necessary as determined by a doctor. Insurance benefits apply starting from the second day of hospitalization	250,000 VND per day Up to 7.5 million VND per year

Educational Allowance for Children

The insured incidents	Compensation limit
If the insured person passes away due to an accident and, at the time of the accident, has one or more legal children under 18 years old, the insurance company (IC) will provide an educational allowance up to the policy's coverage limit for each legitimate child, but for no more than two children. This benefit is paid only once during the insurance period and is provided in accordance with the Accidental Death, Permanent Disability, or Total Disability Benefits	Up to 30 million VND per year (Increases by 2 million VND for each renewal year)

The insured incidents

Compensation limit

If the insured person passes away due to an accident and, at the time of the accident, has one or more legal children under 18 years old, the insurance company (IC) will provide an educational allowance up to the policy's coverage limit for each legitimate child, but for no more than two children.
This benefit is paid only once during the insurance period and is provided in accordance with the Accidental Death, Permanent Disability, or Total Disability Benefits

Up to 30 million VND per year
(Increases by 2 million VND for each renewal year)

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3. Insurance fee

Payment period	Insurance fee (included VAT)
1 month	49,000
3 months	139,000
6 months	279,000
12 months	559,000

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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4. Compensation handling process

Option 1: Submit a claim directly via the link provided in the Insurance Certificate sent via email.
Option 2: Submit a claim via email
- Step 1: Describe the incident and attach supporting documents, then send them to phongboithuong@fuse.com.vn
- Step 2: Provide additional documents as requested by the claims department (if applicable).
- Step 3: Confirm claim details and update the bank account information for compensation payment.
The Insured Person must submit the original documents in Vietnamese within: 1 year from the date of the insured event, or 60 days from the date of recovery, hospital discharge, or death, provided that the insured event was reported in writing to the Insurance Company within 72 hours.
The required claim documents for each benefit are specified in the Insurance Terms and Conditions table.
Claims Consultation Hotline: 028 37300 8803 (Available Monday – Friday, 9:00 AM – 6:00 PM)
Email: cs@fuse.com.vn
View Terms and Conditions here

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5. How to register

Please contact to VIB Callcenter via Hotline 1900 2200

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Note

The insurance coverage takes effect after the premium is successfully recorded in the VIB system and remains valid until one day before the next cycle date.
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.

(*) At the time of refund assessment, the card insurance must still be valid.

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 provided by MSIG Vietnam Non-life Insurance Company Limited (MSIG) under the approval of the Ministry of Finance, implemented in collaboration with Fuse Online Company Limited (FUSE), and distributed by Vietnam International Bank (VIB).

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