GENERAL SUMMARY

Health is one of the crucial factors that play an essential role in our lives because it ultimately determines each person’s survival and existence. When you feel healthy, you have more opportunities to enjoy life, engage in various activities, travel, and experience a wide range of things without being limited by health issues. Good health also enhances efficiency in work, improves performance, and increases focus. Being healthy allows us to work more effectively, boost productivity, and achieve previously set goals more efficiently.
Especially, good health enables better prevention of illnesses, saving costs on medical check-ups and treatments in case of unforeseen health problems. It’s for these reasons that healthcare solutions are gaining more attention and interest from the public today. This includes the choice to participate in health insurance.
To help you better understand the role of health insurance, as well as its functions and benefits, IBAOVIET would like to share an article about Bao Viet Health Insurance.

WHAT IS BAO VIET HEALTH INSURANCE?

Health insurance is one of the voluntary insurance products designed to alleviate the financial burden associated with medical expenses incurred during health check-ups and treatments. In other words, when you participate in health insurance, as per the terms and conditions specified in the insurance contract, the insured individual will be assured by the insurance company to partially or fully cover the corresponding healthcare costs. This helps participants reduce their financial burden and facilitates easier access to better healthcare services without undue concerns about geographical constraints or financial preparations.
In the realm of Bao Viet’s health insurance product, it stands as one of the most coveted and best-selling offerings within Bao Viet’s current portfolio. With over 50 years of experience in the insurance market and an unwavering commitment to placing customers at the forefront, Bao Viet consistently delivers an extensive range of diverse and enticing insurance programs and packages to cater to different customer segments. These programs encompass:

BAO VIET AN GIA

“Bao Viet An Gia” is one of the prominent health insurance products offered by Bao Viet today, providing you with five health insurance programs featuring outstanding and enticing benefits. These programs are available to all citizens, both Vietnamese and foreign residents in Vietnam, ranging from 15 days old to 60 years old, with the option to renew up to 65 years old. With “Bao Viet An Gia,” Bao Viet ensures the provision of insurance benefits to customers in case of health issues such as illnesses, accidents, diseases, maternity, dental care, and even in the unfortunate event of death. Each insurance package comes with flexible benefits and premium levels, allowing Bao Viet’s customers to easily select the insurance product that best suits their needs.
The primary insurance benefits for inpatient treatment due to illness or accidents have a maximum coverage of 454 million VND per person per year. Supplementary insurance benefits include outpatient treatment for illness or accidents, dental care insurance, with a maximum coverage of 15 million VND per year. Personal accident insurance and individual life insurance offer a maximum coverage of 100 million VND per year. Maternity insurance has a maximum coverage of 31.5 million VND per year. Correspondingly, the premiums are categorized into 5 insurance packages and 9 different age brackets.
For instance, if you enroll in the Diamond package, which is the highest-tier premium insurance package under the primary insurance clause, Bao Viet will provide insurance benefits with a maximum coverage of 454 million VND per person per year. This includes: daily hospital room fees of 10 million VND, ambulance services of 10 million VND per year, functional recovery benefits of 20 million VND per year, daily hospital stay allowances of 400,000VND, and more. The premium you need to pay to Bao Viet for this package is 4,290,000 VND for individuals aged 19 to 30, and for children aged 7 to 10, the premium is 4,730,000 VND

BAO VIET INTERCARE

This is a global health card because the insurance coverage and reimbursement for incurred expenses are not limited to the territory of Vietnam but also extend to various regions worldwide. This product is available to all Vietnamese citizens and legal residents of Vietnam aged from 15 days to 69 years old, with the possibility of renewal up to the age of 75.
The insurance benefits are highly diverse, catering to various budget levels and insurance needs of each customer. These benefits encompass inpatient and outpatient treatment, personal accident insurance, life insurance, maternity insurance, and more. Additionally, there are five geographical classifications to choose from, allowing you to select the most suitable health insurance card, including coverage for Vietnam, Southeast Asia, Asia, worldwide excluding the United States and Canada, and worldwide.
For example, if you participate in Bao Viet health insurance with the Bao Viet Intercare product within the Southeast Asia region, you will fall under the insurance program for Zone 2. Bao Viet ensures a maximum insurance coverage of 2.1 billion VND for basic insurance benefits, including 6.3 million VND per day for room and bed expenses. Bao Viet covers all expenses related to special care rooms, general hospital expenses, specialist consultations, and even supports organ transplantation costs with a coverage of 840 million VND. The premium you pay will depend on your age group when you enroll, with premiums ranging from 8.7 million VND for individuals aged 31 to 35, 6.8 million VND for those aged 19 to 25, and 11.5 million VND for individuals aged 41 to 45, and so on.

BAO VIET TAM BINH

Bao Viet Tam Binh is an insurance product designed by Bao Viet to cater to customers from various income backgrounds, whether they have high or average incomes. Bao Viet Tam Binh offers protection to all customers aged from 15 days to 65 years old, including legally resident foreigners in Vietnam. It ensures that customers no longer have to worry about incurring hospital bills when facing health issues or accidents.
This product offers five insurance programs, ranging from Basic to Superior, categorized into two insurance benefits: the primary insurance benefit with a maximum payout of 330 million VND per person per year and the supplementary insurance benefit with payouts of up to 100 million VND per person per year for personal accident insurance, life insurance, and more. The premium for this product is classified according to the chosen program, contract terms, and the age of the insured person.
For instance, the premium for the Expanded insurance program under the primary insurance benefit is only 936,000 VND per person per year for individuals aged 7 to 18, 1,021,000 VND per person per year for those aged 19 to 40, or 1,042,000 VND for individuals aged 51 to 65. In this program, customers will receive insurance benefits, including 30 million VND per year for special surgeries, 16 million VND per year for other surgeries, a daily hospitalization allowance of 150,000 VND, and 600,000 VND per day for hospitalization due to illness, accidents, or maternity, and so on.

AN TAM VIEN PHI BAO VIET

Bao Viet’s healthcare insurance provides customers with peace of mind when it comes to their health and finances. It offers an excellent solution to reduce the financial burden that may arise in cases of illness, diseases, accidents, maternity, and even includes the risk of cancer. This product is designed for Vietnamese citizens and legally resident foreigners in Vietnam, ranging from 1 to 65 years old, with the possibility of renewing until the age of 70.
The insurance benefits are divided into two main categories, corresponding to four diverse component insurance packages: Silver, Gold, Platinum, and Diamond. The primary insurance benefit includes coverage for hospitalization due to illness, diseases, accidents, surgeries, and educational expenses. The supplementary insurance benefit includes coverage for non-accidental death, permanent disability or death due to accidents, and maternity.
With a reasonable premium, you can easily access comprehensive and superior insurance solutions to take care of your health and protect your financial resources for yourself and your family. For instance, in the highest-tier Diamond package, the premium for the primary insurance benefit is 408,000 VND per person for ages 16 to 20, 644,000 VND for ages 36 to 40, and 537,000 VND for children aged 1 to 6. Customers in this category will receive a maximum payout of 100 million VND, with 22.5 million VND allocated for hospitalization expenses and daily hospitalization allowances in hospitals of different classes.

BAO VIET ORGANIZATIONAL HEALTH INSURANCE

This is a health insurance product designed by BAO VIET specifically for organizations and businesses. It aims to provide more effective options for setting employee welfare policies. Notably, this product doesn’t just cover employees who purchase insurance through the business but also extends coverage to the employees’ family members, subject to approval by the business.
Some of the benefits of this product include coverage for illness-related death, disease, permanent disability due to accidents, various healthcare-related benefits, coverage for inpatient and outpatient treatments, and coverage for various medical expenses such as emergency medical transportation, pre-hospitalization expenses, in-hospital allowances, and home care expenses.
The premium amount and compensation amounts for insured individuals will vary depending on the specific program and insurance terms outlined in the insurance contract.

CONTACT CONSULTATION

BAO VIET ensures the payout of insurance benefits through two methods, regardless of which health insurance program or package you choose. You can benefit from direct billing for medical expenses when you receive healthcare services at affiliated hospitals and healthcare facilities partnered with BAO VIET. Alternatively, in cases where you utilize healthcare services at any legitimate medical facility, BAO VIET provides indirect reimbursement within 15 days from the date they receive a valid claim.
This means that when you purchase insurance from BAO VIET, you can have peace of mind knowing that the insurance company will cover and support your medical expenses. This eases the financial burden and allows you to focus on your healthcare, whether you are receiving treatment at an affiliated hospital or any other authorized healthcare provider, regardless of its cost.
Each health insurance program and package from BAO VIET comes with different terms and conditions, as well as flexible premium rates. To select the most suitable healthcare insurance program, you can contact IBAOVIET at our hotline numbers: 0966.490.888 or 0966.795.333. Our professional team of advisors is ready to provide quick and comprehensive support and answer all your questions. We take pride in being one of the top destinations for insurance products issued by BAO VIET, offering swift and simple enrollment procedures, transparency, a variety of participation options, and a commitment to delivering the best and safest services for you, both before and after you join our programs.