Family Travel Insurance Checklist: Before You Buy Flexi

Preparing an overseas trip with the whole family is exciting, but it also calls for careful planning at every step. To keep the journey smooth and avoid confusion with paperwork, a clear Flexi travel insurance checklist is essential for every family.

Below is a summary of the key items to verify before you finalise your insurance application.

✈️ Itinerary & insurance programme checklist

The first step in buying travel insurance is to confirm your family’s exact route and the matching level of protection.

• ☐ Confirm the destination: Check whether your family’s route falls under Zone 1 (ASEAN), Zone 2 (Asia-Pacific) or Zone 3 (Worldwide, excluding Vietnam). Picking the right zone keeps the cover valid for the whole trip; you can compare destinations in the guide to choosing your Flexi travel insurance zone.
• ☐ Choose the insurance plan: Weigh the liability limits across the Silver, Gold, Platinum and Diamond plans. Each tier carries different maximum benefits, analysed in detail in how Flexi plan limits differ.
• ☐ Policy period: Check the start and end dates of the trip (up to 365 days maximum). Make sure the cover spans everything from the moment you leave Vietnam until you return.
• ☐ Enrolment method: Tick the Family package on the Insurance Request Form so everyone is managed under one application.

👨‍👩‍👧‍👦 Member details & health declaration checklist

The accuracy of personal information and transparency about medical history form the legal basis that determines whether the insurance contract is valid.

• ☐ Complete identification details: Declare the full name, date of birth, passport number or Citizen ID number (Vietnamese national ID card) of each family member. State the relationship to the policyholder (Self, Spouse, Child, Father/Mother).
• ☐ Answer the two health questions honestly: Check whether anyone in the family is under monitoring or treatment for an injury or illness, or shows any unusual symptoms. Also review the list of serious or chronic diseases on the application form. Each question is explained in the article on health declaration for Flexi travel insurance.
• ☐ Confirm the general declaration: Warrant that every participant is fully healthy, both physically and mentally, at the time of submission in Vietnam. The trip is not for medical treatment and does not go against a doctor’s medical advice — see the eligibility conditions for Flexi travel insurance.

📋 Legal notes on the policy in your Flexi checklist

Before signing and paying the premium, the policyholder should read the important notes on the Insurance Certificate carefully to avoid misunderstandings about benefits.

• ☐ Age-based benefit limits: For Personal Accident and Medical Expenses, children are covered up to a maximum of 20% of the sum insured, while travellers aged 70 and above are limited to 30% of the sum insured. Review the rules in benefit limits for children and travellers aged 70+.
• ☐ Contract currency: The sum insured stated in Vietnamese Dong (VND) is the official legal basis for the contract and any claim settlement. Figures converted into USD or EUR are for reference only.
• ☐ Priority order of documents: If there is any inconsistency or dispute, documents apply in the following order from highest to lowest: (1) the most recently signed amendments; (2) the Insurance Certificate/Contract and its appendices; (3) the Flexi Travel Insurance Rules.

📑 Getting ready for claim procedures if something happens

One preparation you cannot skip is understanding the claim process in case of an unexpected incident.

• ☐ Identify who can claim: The claimant may be the insured person, a legal heir, a legally authorised representative, or a parent/guardian for someone under 18 (prepare supporting documents such as a birth certificate or notarised authorisation). Details are in who can file a Flexi travel insurance claim.
• ☐ Payment method: You can choose to receive the claim payment by bank transfer or in cash at the insurance company.
• ☐ Document language: Keep invoices, medical documents and reports from abroad carefully. If any document is not in Vietnamese or English, you will need a certified translation (translation costs are borne by the claimant) — see the rules for foreign-language claim documents.

Completing the Flexi travel insurance checklist will help your family’s trip abroad feel more reassuring and relaxed. You can review the policy terms or contact a consultant at paa.vn via hotline 0347674755 for prompt and reliable support before departure day.