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.

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) Select Essential Classic Gold Diamond
Area of coverage Viet Nam ASEAN ASIA Worldwide excluding USA and Canada Worldwide
 

Maximum Annual Aggregate Limit

 

1,050,000.000 2,100,000.000 4,200,000,000 5,250,000,000 10,500,000,000
Room and Board/day 4,200,000 6,300,000 10,500,000 16,800,000 21,000,000
Intensive care unit (max 30 days/ disease) Full cover Full cover Full cover Full cover Full cover
Companion accommodation /person/day (max 10 days/year) 1,260,000 1,890,000 3,150,000 5,040,000 6,300,000
Hospital Miscellaneous Expenses Full cover
Expenses for Surgeons, consultants, operating theatre anesthetists, medical practitioners Full cover
Organ Transplantation of Heart, Lung, Liver, Pancreas, Kidney, Bone, Marrow. Limit per lifetime 630,000,000 840,000,000 1,260,000,000 1,680,000,000 2,100,000,000
Expenses for transportation in emergency case 21,000,000 42,000,000 63,000,000 84,000,000 105,000,000
Emergency Medical Evacuation & Repatriation (including by air) Full cover Full cover Full cover Full cover Full cover
Emergency Ward Treatment Full cover Full cover Full cover Full cover Full cover
Sub-limit applied for special diseases/ critical illnesses /lifetime 210,000,000 420,000,000 840,000,000 1,050,000,000 2,100,000,000

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

OP Select Essential Classic Gold Diamond
Maximum Aggregate Limit for the whole insurance period 31,500,000 63,000,000 84,000,000 105,000,000 168,000,000
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 / visit 3,200,000 5,000,000 6,700,000 7,300,000 11,800,000
Health check-up/ Vaccination per year N/A N/A N/A 2,000,000 3,000,000

Download Brochure – Intercare Bao Viet – English

Brief summary of benefits
Option 1 Option 2 Option 3 Option 4
INPATIENT BENEFITS        
A- Death or Permanent Disablement Partial Permanent Disablement 50,000,000 100,000,000 200,000,000 400,000,000
B- DEATH OR TOTAL PERMANENT DISABLEMENT FOLLOWING ILLNESSES OR DISEASES AND MATERNITY/ PREGNANCY 50,000,000 100,000,000 200,000,000 400,000,000
C- Medical Expense following accident 50,000,000 100,000,000 200,000,000 400,000,000
D- HOSPITALIZATION CHARGES 120,000,000 180,000,000 300,000,000 600,000,000
Hospitalization Charges 2,000,000/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 transplantation 40,000,000 60,000,000 100,000,000 200,000,000
Maternity        
Normal Delivery Up 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 visit 1,200,000, max 10 times/year 1,600,000, max 10 times/year 2,000,000, max 10 times /year 4,000,000, max 10 times / year
Dental care / year – Includes periodontal shaving up to 420,000 per year. Excludes minor surgery 1,200,000 1,600,000 2,000,000 4,000,000
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 inception New members: from 12 months to 65 years old
Minimum number of Insured employees 05

Brief summary benefits:

SCHEDULE OF BENEFITS (VND) Plan I Plan II Plan III
SUM INSURED 292,500,000 585,000,000 1,170,000,000
Territorial Scope Vietnam Vietnam Vietnam
1. 1. Cancer benefit 250,000,000 500,000,000 1,000,000,000
1.1. Early Stage Cancer benefit 62,500,000 125,000,000 250,000,000
1.2. Late Stage Cancer benefit 250,000,000 500,000,000 1,000,000,000
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/life 1,000,000/day, maximum 30 days/life 2,000,000/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/life 1,000,000/day, maximum 60 days/life 2,000,000/day, maximum 60 days/life
3. Death due to cancer 12,500,000 25,000,000 50,000,000
4. Death due to accident 12,500,000 25,000,000 50,000,000
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

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 treatment 120
(except that an extra 245 days will be added to the maximum duration for continued or prolonged cancer treatment) 245
Total 365
(B) For all other Episodes of Treatment 90

 

Download brochure: Bao Viet Preferred heart and cancer care_Brochure_English

  • 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 assistance Yes Yes Yes Yes
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) A B C
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