Travel care credit card insurance

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Card Insurance
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Travel Care

Card Insurance
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Travel Care

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Privilege for credit cardholder

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Travel Care: Protecting cardholders against risks during international travel with competitive compensation limits and coverage for flight/baggage delays compared to other travel insurance products on the market. Especially, flight delay benefits are extended to domestic trips at an affordable price

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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

International and Domestic Flight Delay Benefits

The insured incidents	Compensation limit
The Insured Person's flight is officially delayed by the airline, and the IP, as a passenger, has completed check-in and is present at the airport due to the following reasons: Adverse weather conditions Mechanical issues with the aircraft Strikes or other actions by airline staff or airport personnel that obstruct departure	2 million VND per 3-hour delay Up to 10 million VND per year

The insured incidents

Compensation limit

The Insured Person's flight is officially delayed by the airline, and the IP, as a passenger, has completed check-in and is present at the airport due to the following reasons:

Adverse weather conditions
Mechanical issues with the aircraft
Strikes or other actions by airline staff or airport personnel that obstruct departure

2 million VND per 3-hour delay
Up to 10 million VND per year

Delayed Baggage Benefits

The insured incidents	Compensation limit
If the Insured Person’s baggage arrives more than 6 hours later than scheduled due to the carrier’s fault, the Insurance Company will compensate for every continuous 6-hour delay, up to the maximum insured amount specified in the Insurance Certificate. This benefit applies only to international trips	3 million VND per 6-hour delay Up to 21 million VND per year

The insured incidents

Compensation limit

If the Insured Person’s baggage arrives more than 6 hours later than scheduled due to the carrier’s fault, the Insurance Company will compensate for every continuous 6-hour delay, up to the maximum insured amount specified in the Insurance Certificate.

This benefit applies only to international trips

3 million VND per 6-hour delay
Up to 21 million VND per year

Lost or Damaged Baggage Benefits

The insured incidents	Compensation limit
The Insured Person’s aggage and/or personal belongings inside the baggage are lost or damaged due to one of the following incidents while traveling: Negligence by hotel staff or the carrier after the Insured Person has checked in the baggage, and the staff has accepted responsibility for its safekeeping; Theft with evidence of forced entry into the hotel room where the IP is registered as a guest; Confiscation, threats, or violent attacks leading to the loss of baggage and/or personal belongings. This benefit applies only to international trips and excludes goods that are not defined as travel baggage.	Up to 21 million VND per year

The insured incidents

Compensation limit

The Insured Person’s aggage and/or personal belongings inside the baggage are lost or damaged due to one of the following incidents while traveling:

Negligence by hotel staff or the carrier after the Insured Person has checked in the baggage, and the staff has accepted responsibility for its safekeeping;
Theft with evidence of forced entry into the hotel room where the IP is registered as a guest;
Confiscation, threats, or violent attacks leading to the loss of baggage and/or personal belongings.

This benefit applies only to international trips and excludes goods that are not defined as travel baggage.

Up to 21 million VND per year

Hospitalization Allowance for Illness or Disease

The insured incidents	Compensation limit
The insurance applies when the Insured Person is required to be hospitalized for inpatient treatment at a hospital or medical facility abroad due to an accident causing bodily injury or an illness occurring while traveling overseas	200,000 VND per day Up to 3 million VND per year

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3. Insurance fee

Payment period	Insurance fee (included VAT)
1 month	15,000
3 months	35,000
6 months	70,000
12 months	140,000

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 with the following details:
  - Flight date:
  - Departure – Destination:
  - Scheduled departure time:
  - Check-in time:
  - Description of the incident:
- 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 provide the required documents to the Insurance Company within 30 days from the date of the insured event.
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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