Flexi Travel Plans: Silver, Gold, Platinum & Diamond – How Do Limits Differ?
When filling out the Flexi Travel Insurance Application Form, many people pause at item 11, where they are asked to choose one of four programs: Silver, Gold, Platinum or Diamond. Beyond the names, where do these plans actually differ? The answer lies in the maximum benefit limits set out in the benefit table that comes with the product.
In this article
🏷️ What programs does Flexi travel insurance include?
In the product dossier, item 11 of the Application Form lists four selectable programs: Silver, Gold, Platinum and Diamond. The applicant ticks one program, alongside the participation format — individual, family or group (item 9) — and the destination zone (item 10). So the plan name is not just branding; it is directly tied to the level of protection you have during your trip.
- Silver: the base program of the four.
- Gold: a higher benefit level than Silver.
- Platinum: a higher benefit level than Gold.
- Diamond: the program with the highest benefit level of the four.
For an overview of the protection groups covered, see What Does Flexi Travel Insurance Cover? 4 Protection Groups Explained and Medical & Other Expenses in Flexi Travel Insurance: 6 Benefits Explained.
📊 Maximum benefit limits in the Flexi benefit table
The product’s benefit table is arranged in columns matching the four programs, meaning the same benefit carries a different maximum depending on the plan you choose. Based on the table’s structure, maximum benefit levels range from 1 billion VND to 8 billion VND, depending on the benefit and the program. Common limit patterns in the table include:
| Limit pattern in the benefit table | Values (VND) | Feature |
|---|---|---|
| Stepped increase across the four programs | 1 billion – 2 billion – 3 billion – 4 billion | Applies to many benefits, rising evenly across plans |
| Stepped increase across the four programs | 2 billion – 4 billion – 6 billion – 8 billion | The highest level in the table, doubling between adjacent plans |
| Stepped increase across the four programs | 200 million – 250 million – 300 million – 400 million | Mid-level, with smaller steps |
| Kept the same across all four programs | 100 million; 10 million | Unchanged when switching from one plan to another |
Note: the data table does not come with benefit-name labels for each limit, so you need to cross-check the official insurance benefit table or the contract to know the exact level of each benefit.
Another key point: under the Insurance Certificate, the sum insured in VND is the basis for the contract, while amounts in USD or EUR are for reference only. When comparing plans, always look at the VND figure to avoid confusion from exchange rates.
🔎 Why do some benefit limits stay the same across all programs?
Not every benefit increases when you upgrade from Silver to Diamond. In the benefit table, limits such as 100 million VND or 10 million VND are repeated identically across all four program columns. This shows that some benefits are designed at a fixed level, while the main benefits (usually related to medical expenses and personal accident) are where the big gaps between plans emerge.
That is also why choosing a plan should not be about the name alone, or the feeling that ‘the higher the plan, the better’. A family on a short trip within the ASEAN zone may weigh options differently from someone travelling long-term worldwide. Interested readers can see the guide on choosing your Flexi travel insurance zone: ASEAN, Asia-Pacific or worldwide to combine zone selection with plan selection.
🧭 Checklist: choosing Silver, Gold, Platinum or Diamond
Before ticking the program box in item 11, check the following:
- ☐ Confirm that your trip’s destination zone (Zone 1 – ASEAN, Zone 2 – Asia-Pacific, or Zone 3 – worldwide except Vietnam) matches your itinerary.
- ☐ Compare the maximum limit of each benefit in the official benefit table, not just the plan name.
- ☐ Remember that benefits for children are capped at 20% of the sum insured, and for people aged 70 and over at 30% of the sum insured, as stated in the Insurance Certificate.
- ☐ Check the expected insurance period (maximum 365 days) and the departure date from Vietnam.
- ☐ Note that the sum insured in VND is the contract basis; USD/EUR are for reference only.
- ☐ Read the Insurance Rules, benefit table and product summary documents carefully before signing the Application Form.
- ☐ Ask the insurer or advisor clearly about benefits that stay at fixed levels across all programs, so you understand the real value of the plan you choose.
🤝 Cross-check and confirm before signing the Application Form
Choosing the wrong plan often goes unnoticed until an incident happens, while the payment level (if it falls within the scope of cover) depends on the benefits and specific conditions in the contract. So before signing, ask to be provided with the official benefit table corresponding to the program you choose, and keep a copy with the product document set. Any questions about specific benefit levels, premiums or applicable conditions should be confirmed directly with the insurer or your advisor.
Choosing the right Flexi travel insurance plan is not about picking the most expensive one, but about choosing a plan whose benefit levels match your destination, duration and family members. Once you understand the limit structure from 1 billion to 8 billion VND in the benefit table, you will feel more confident ticking the Silver, Gold, Platinum or Diamond box.
