Bao Viet was established in 1965 and is the leading financial-insurance group in Vietnam. It has been accredited as one of the top 25 enterprises in the country by the State Government.

Bao Viet was granted the First-Class Labor Medal by the Party and the State on the eve of its 50 years establishment, in January 2015. BVQI (UK) accredited Bao Viet with the quality management ISO 9001:2000 certification in August 2001, and ISO 9001:2008 certification in 2009.

Bao Viet Intercare health insurance is designed for the high-income segment of the population with the demand for medical examination and treatment at hospitals abroad, globally and at leading hospitals in Vietnam. Age range for healthcare coverage is from 15 days to 75 years.

1. BaoViet Intercare

Area of cover

  • Area 1: Vietnam
  • Area 2: ASEAN (Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Singapore, Thailand, and Vietnam)
  • Area 3: ASIA (Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Singapore, Thailand, Vietnam, China, Hongkong, Macau, Korea, Australia, New Zealand, Japan, India…)
  • Area 4: Worldwide excluding USA and Canada
  • Area 5: Worldwide

Optional plans

  • Outpatient
  • Dental
  • Maternity
  • Personal Accident
  • Term life

Brief summary benefits

 Unit:VND

INPATIENT (IP)SelectEssentialClassicGoldDiamond
Area of coverageViet NamASEANASIAWorldwide excluding USA and CanadaWorldwide
 

Maximum Annual Aggregate Limit

 

1,050,000.000 2,100,000.0004,200,000,0005,250,000,00010,500,000,000
Room and Board/day4,200,0006,300,00010,500,00016,800,00021,000,000
Intensive care unit (max 30 days/ disease)Full coverFull coverFull coverFull coverFull cover
Companion accommodation /person/day (max 10 days/year)1,260,0001,890,0003,150,0005,040,0006,300,000
Hospital Miscellaneous ExpensesFull cover
Expenses for Surgeons, consultants, operating theatre anesthetists, medical practitionersFull cover
Organ Transplantation of Heart, Lung, Liver, Pancreas, Kidney, Bone, Marrow. Limit per lifetime630,000,000840,000,0001,260,000,0001,680,000,0002,100,000,000
Expenses for transportation in emergency case21,000,00042,000,00063,000,00084,000,000105,000,000
Emergency Medical Evacuation & Repatriation (including by air)Full coverFull coverFull coverFull coverFull cover
Emergency Ward TreatmentFull coverFull coverFull coverFull coverFull cover
Sub-limit applied for special diseases/ critical illnesses /lifetime210,000,000420,000,000840,000,0001,050,000,0002,100,000,000

OPTIONAL BENEFIT: OUT-PATIENT TREATMENT DUE TO ILLNESS/DISEASE/ACCIDENT (OP)

OP SelectEssentialClassicGoldDiamond
Maximum Aggregate Limit for the whole insurance period31,500,00063,000,00084,000,000105,000,000168,000,000
General Practitioners and Specialist fees, Prescribed medicines, Laboratory test, diagnostic and treatment prescribed by a physician, Medical aids, heat therapy or phototherapy prescribed by a physician, limit / visit3,200,0005,000,0006,700,0007,300,00011,800,000
Health check-up/ Vaccination per yearN/AN/AN/A2,000,0003,000,000

Download Brochure – Intercare Bao Viet – English

2. Group plan

Brief summary of benefits
Option 1Option 2Option 3Option 4
INPATIENT BENEFITS    
A- Death or Permanent Disablement Partial Permanent Disablement 50,000,000100,000,000200,000,000400,000,000
B- DEATH OR TOTAL PERMANENT DISABLEMENT FOLLOWING ILLNESSES OR DISEASES AND MATERNITY/ PREGNANCY50,000,000100,000,000200,000,000400,000,000
C- Medical Expense following accident 50,000,000100,000,000200,000,000400,000,000
D- HOSPITALIZATION CHARGES120,000,000180,000,000300,000,000600,000,000
Hospitalization Charges2,000,000/day,
Maxi 40,000,000/year		3,000,000/day,
Maxi 60,000,000/year		5,000,000/day,
Maxi 100,000,000/year		10,000,000/day,
Maxi 200,000,000/year
Surgical Operation including Organ transplantation40,000,00060,000,000100,000,000200,000,000
Maternity    
Normal DeliveryUp to sum insured with sub-limit Hospitalization Charges (1) and Surgical Operation (5)
Caesarean Section & Complications of Pregnancy and Childbirth
Optional benefit
Out-Patient 6,000,000 8,000,000 10,000,000 20,000,000
Maximum amount per visit1,200,000, max 10 times/year1,600,000, max 10 times/year2,000,000, max 10 times /year4,000,000, max 10 times / year
Dental care / year – Includes periodontal shaving up to 420,000 per year. Excludes minor surgery1,200,0001,600,0002,000,0004,000,000
Premium    
 Total Premium/person/year 2,665,000 3,860,000 5,680,000 10,060,000

 

ELIGIBILITY CRETERIA

Insured people– Full time employees
– Dependents of employees, including spouse and children
Age of inceptionNew members: from 12 months to 65 years old
Minimum number of Insured employees05

3. Cancer care (applicable to Vietnamese citizens only)

Brief summary benefits:

SCHEDULE OF BENEFITS (VND)Plan IPlan IIPlan III
SUM INSURED292,500,000585,000,0001,170,000,000
Territorial ScopeVietnamVietnamVietnam
1. 1. Cancer benefit250,000,000500,000,0001,000,000,000
1.1. Early Stage Cancer benefit62,500,000125,000,000250,000,000
1.2. Late Stage Cancer benefit250,000,000500,000,0001,000,000,000
2. Hospital allowance benefit
2.1. Early Stage Cancer (Within 6 months from the diagnosis date of Early Stage Cancer on the Insured)500,000/day, maximum 30 days/life1,000,000/day, maximum 30 days/life2,000,000/day, maximum 30 days/life
2.2. Late Stage Cancer benefit (Within 12 months from the diagnosis date of Late Stage Cancer on the Insured)500,000/day, maximum 60 days/life1,000,000/day, maximum 60 days/life2,000,000/day, maximum 60 days/life
3. Death due to cancer 12,500,00025,000,00050,000,000
4. Death due to accident 12,500,00025,000,00050,000,000
5. Minimum survival from the date of having been diagnosis of cancer 30 days 30 days 30 days

Age Eligibility:

  • From 17 to 65 years old
  • 56* – 65*: available for renewal only

Download Brochure – BAO VIET CANCER CARE SCHEDULE OF BENEFITS – ENGLISH

4. Preferred heart and cancer care – Group policy – New*

It is a pre-eminent healthcare program for cancer and cardiovascular disease offerring world-class medical advice and patient care  in the world’s leading hospitals in the United States at reasonable rates, which is  developed in Collaboration with Preferred Global Health, Ltd, Preferred Global Health (PGH). PGH is an organization that develops, manages medical programs and medical claims, and provides care management services in the USA. PGH has been granted authority by Bao Viet Insurance Coporation to act on its behalf under the Policy. PGH’s administrative offices are located at 2 Oliver Street, Suite 701, Boston, Massachusetts, 02109, USA.

Eligibility:

  • Widely applied to a group (minimum of 10 people including dependents), such as employees or groups (employees in the same company/organization purchasing insurance) except residents of the United States of America are not eligible for coverage under this policy. Residency is defined as any United States Citizen, United States National, United States Resident Alien (as defined by the US Internal Revenue Service (IRS)), or any other person physically present in the United States of America for more than 90 days in any one calendar year..
  • From 1 to 74 years old
  • Extended Age Eligibility: covered Persons, at the end of the Policy Year during which they reach 75 years of age, may renew their Policy until they are 99 years of age.

BENEFIT SCHEDULE

                                    INSURANCE PLAN

Maximum applicable annual limit per Covered Person
For all covered Medical Treatments, specialist and medical staff fees, hospital charges at hospitals pre-approved by PGH, travel and accommodation expenses, taken together, for the Policy Year		US$ 2,000,000
Sub-limits
1.  Travel and accommodation expenses for the Covered Person or the Covered Person and one accompanying person (subject to maximum accommodation US $300 per day)US$20,000
2. Transportation benefit in the event of death US$ 5,000
3. Maximum duration of an Episode of Treatment IN DAYS
(A)  For Cancer treatment120
(except that an extra 245 days will be added to the maximum duration for continued or prolonged cancer treatment)245
Total365
(B) For all other Episodes of Treatment90

 

Download brochure: Bao Viet Preferred heart and cancer care_Brochure_English

5. Travel insurance

  • Travel insurance for foreigners travelling to Vietnam

Eligibility

  • The Foreigners who come to Vietnam for sightseeing, visiting friends and relative, attending international conference, seminar, congress, participating in sport and game competitions, artistic performances, going on a mission.
  • Those who are residing in Vietnam and they are traveling within the territory of Vietnam.

In the all cases, BAOVIET will not accept and be liable for the Persons whose ages are over 75 except the case have been approved by BAOVIET before the inception date.

Programs 

PLAN A

 

PLAN B

 

PLAN C

 

PLAN D

Basic Cover

Medical Expenses$ 20,000$30,000$50,000$100,000
Emergecy Medical Evacuation in the territory of Vietnam 

$ 20,000

 

$30,000

 

$50,000

 

$100,000

Emergency Medical Evacuation outside Vietnam$ 20,000$30,000$50,000$100,000
Body repatriation or Burial Expense $ 20,000$30,000$50,000$100,000

Endorsement

Endorsement 1: Death Insurance
 

$20,000

 

$30,000

 

$50,000

 

$100,000

Endorsement 2: Traveling outside VietNam

Maximum period of insurance for travelling aboard is 30 days/trip

$20,000$30,000$50,000$100,000
Endorsement 3: Travel medical Assistance
    
Travel services assistanceYesYesYesYes
Baggage and Personal effects$600$900$1,500$2,000
Loss of travel documents$1,000$1,500$2,000$3,000
Additional Costs of Travel & Accommodation $2,000$3,000$5,000$10,000
Curtailment of trip and cancellation charges.$2,000$3,000$5,000$10,000
Travel Delay 

Maximum of US$125 for 12 hours delay or up to US$500 in respect of public transportation expenses necessarily incurred as a direct consequence of travel delay, or bad weather, strike, technical or other mechanical failure of aircraft or conveyances.

 

Download brochure – BAO VIET TRAVEL INSURANCE FOR FOREIGNERS TRAVELLING TO VIETNAM

  • International travel insurance
Maximum coverage of Major benefits (USD)ABC
Overseas and local medical treatment expenses for illnesses and accidental bodily injuries$30,000$50,000$70,000
Family member visit$3,500$5,000$7,000
Curtailment of trip and cancellation charges$4,500$5,000$7,000
Travel delay $125/each 6 hours;
max $500
Baggage and Personal lost or damage
Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured’s person’s baggage or personal items carried, the limit is USD 250 per item and USD 500 per pair or set		$1,000$2,000$3,000
Loss of travel document$1,500$3,000$5,000
Baggage Delay$125$250$500

Age limit

Vietnamese or foreigners residing in Vietnam, aged between 6 weeks and 80 years old

Download brochure – BAO VIET INTERNATIONAL TRAVEL INSURANCE