Children & Travellers Aged 70+: Benefit Limits in Flexi Travel Insurance
When the whole family travels abroad, many people choose one plan for every member without noticing the age-based benefit limits. This is a point to calculate carefully when looking for travel insurance for children and older travellers, because the actual level of protection may differ between members.
In this article
📌 Why are Flexi benefits limited by age?
According to the Notes on the Flexi travel insurance certificate, the Personal Accident and Medical Expenses benefits are limited to 20% of the sum insured for children and 30% of the sum insured for people aged 70 and over. In other words, the sum insured stated on the certificate is the contract maximum, but for these two age groups, the level applied to the benefits above will be lower.
This rule reflects a general principle of travel insurance: risks and medical cost needs differ by age, so benefits are adjusted accordingly. To understand the core benefits, you can see what Flexi travel insurance covers across 4 benefit groups and the details of the 6 medical and other expense benefits in Flexi.
👨👩👧 How are children covered?
For children, the Personal Accident and Medical Expenses benefits are limited to 20% of the sum insured. This means that when comparing a plan for a child and for an adult, the same sum insured applies, but the actual benefit level for the child is significantly lower.
- Only the two benefit groups Personal Accident and Medical Expenses are limited by this ratio; other benefits are specified separately in the insurance benefit table.
- The sum insured in VND is the basis for the contract; USD/EUR amounts are for reference only.
- The limit is calculated on the sum insured stated on the certificate, not on the premium paid.
So, when buying travel insurance for children and older travellers, read the benefit table carefully instead of just looking at the plan name, to avoid expecting too much protection for your little ones on the trip.
👴 What to watch for if you’re 70 or over
For people aged 70 and over, the Personal Accident and Medical Expenses benefits are limited to 30% of the sum insured. This group tends to have higher healthcare needs when travelling far, so understanding the limit helps families plan their trip finances more proactively.
- The 30% level applies to the Personal Accident and Medical Expenses benefits as stated on the certificate.
- Before choosing a plan, check whether this limit matches the expected medical costs at your destination.
- Health conditions and the declaration commitments made when buying insurance must still be fully complied with under the insurance rules.
You can also see how the Silver, Gold, Platinum and Diamond plans differ in benefit limits to balance protection for each family member.
🧮 A quick way to calculate benefit limits for the whole family
To picture it more clearly, you can use this simple calculation when reviewing the insurance certificate:
| Who | Limit for Personal Accident & Medical Expenses |
|---|---|
| Children | 20% of the sum insured |
| Aged 70 and over | 30% of the sum insured |
| Adults under 70 | Per the sum insured on the certificate (contract basis) |
For example, if the certificate states a sum insured of 1 billion VND for a benefit, the corresponding limit would be 200 million VND for a child and 300 million VND for someone aged 70 or over for the benefits above. This is only an illustration of the principle; the actual level always depends on the sum insured and the terms stated in your contract.
✅ Checklist for choosing a plan for families with children and older members
- ☐ Confirm the sum insured on the certificate in VND, as this is the basis of the contract.
- ☐ Calculate 20% for children and 30% for those aged 70+ for the Personal Accident and Medical Expenses benefits.
- ☐ Compare the limits with common medical costs at your destination during the trip.
- ☐ Check whether the chosen coverage zone includes the country you’re visiting.
- ☐ Confirm the policy period fits your itinerary, up to the product’s maximum, and that the trip departs from Vietnam, as stated in the rules on Flexi cover lasting up to 365 days.
- ☐ Read the benefit table and insurance rules carefully, or ask an advisor before signing the insurance proposal form.
💬 A gentle note before your trip
The 20% and 30% limits do not mean children or older travellers are unprotected; they mean the Personal Accident and Medical Expenses benefits are adjusted by ratio. Understanding this helps families choose the right plan and avoid surprises when they need to use benefits abroad. Each contract has its own terms, so check the insurance certificate carefully or contact the insurer or an advisor for answers specific to your situation.
