Health Disclosure for Bao Viet An Gia Applications

Many families comparing health insurance focus on benefits and premiums, then rush to sign the health declaration without reading it. It is the step most often skipped — yet it is the basis on which the insurer assesses risk and settles claims later. This guide explains what health disclosure for Bao Viet An Gia involves before you sign.

🩺 Why the health declaration matters for your Bao Viet An Gia contract

The insurance request form (giấy yêu cầu bảo hiểm) is an inseparable part of the contract. The information you declare serves as the basis for the rights and obligations of both parties — not only for the new contract but also for subsequent renewals, except for information re-declared at renewal. By signing, you confirm that you have read, understood and agreed to all content in the insurance request form and the product documentation.

This means the declaration is not just paperwork. It is directly linked to whether benefits can be paid when you or a family member need inpatient care, outpatient care or the add-on benefits you selected. To get an overall picture before filling in the form, you can review the main benefits of Bao Viet An Gia and how waiting periods apply.

📝 4 groups of health questions you must answer

The health declaration section of the insurance request form requires a Yes or No answer to the following questions, applied to each insured person listed:

1. Medical history in the past 3 years: whether the insured has ever had a medical examination, consultation, prescribed treatment or treatment at a clinic, hospital, nursing home or similar medical facility.
2. Current health status: whether anyone is being monitored or treated for an illness or injury, has unstable health symptoms, or has been advised to undergo treatment within the next 12 months.
3. Serious conditions in the past 3 years: whether anyone has had and/or been treated for any condition on the list in the application form.
4. Previous insurance history: whether anyone has ever had a claim settled under a similar health insurance policy, been declined insurance or renewal, or been accepted with special additional terms.

If you answer Yes to any question, you must provide details: the insured’s full name, disease name, date of diagnosis, treatment method, current condition and treatment facility. For the insurance history question, state the insurer’s name, the reason for the decline or acceptance, and any special additional terms.

Cases that usually do not need to be declared in Question 1

The application form specifies that certain minor situations may not need to be declared, for example: digestive disorders, acute diarrhea, constipation, food poisoning, common cold, flu, viral fever, outer ear infection, acute rhinitis/pharyngitis, upper respiratory tract infection (excluding sinusitis, tonsillitis, adenoiditis (VA), middle ear infection and chronic diseases), hand-foot-mouth disease, chickenpox, conjunctivitis, stye/chalazion, allergies, pregnancy check-ups, contraception, appendectomy, childbirth, dental treatment, gingivitis, vaccination, and injuries that have fully recovered with no need for further monitoring or treatment.

Conditions to declare in detail if present in the past 3 years

• Central nervous system diseases, Parkinson’s, neurodegeneration, memory loss, coma, cerebral palsy, paralysis
• Diabetes; lung failure, pneumothorax/pleural effusion, chronic respiratory failure
• Cerebrovascular disease, stroke (brain hemorrhage/arterial sclerosis); heart failure, myocardial infarction, heart surgery
• Hepatitis, cirrhosis; kidney failure, kidney atrophy, kidney stones, dialysis; pancreatitis
• Bone marrow transplant, lupus, tuberculosis of all kinds, leprosy
• Tumors of any kind, cancers of any kind, bone marrow failure, leukemia
• Sexually transmitted diseases, immunodeficiency syndrome
• Congenital diseases, hereditary diseases, gene deformities, physical disabilities, Down syndrome

🤝 Current health commitment and the duty of honesty

The declaration section of the insurance request form requires the policyholder and the insured to confirm: they are currently in full health; have no neurological or mental illness and no leprosy; are not undergoing treatment for any illness or injury; and have no permanent disability of 50% or more. You also confirm that the declared information is complete and truthful to the best of your knowledge, and that you will notify Bao Viet immediately of any relevant changes.

For families with foreign members, personal information is usually declared by passport, so check the passport number, date of birth and name spelling carefully before signing. For larger families, remember that each insured person is assessed separately for each question — do not answer for the whole household at once.

⚠️ How incomplete or incorrect disclosure can affect claims

Under the commitments in the insurance request form, if the duty of truthful and complete disclosure is not fulfilled, the insurer is fully entitled to reduce its liability in whole or in part for the claim (the detailed settlement options are specified in the product summary document). If the non-disclosure is intended for insurance fraud, the contract may be voided from its effective date.

In practice, declaration errors usually surface when a claim file is reviewed — especially for conditions with waiting periods or pre-existing conditions. So instead of hesitating to mention a cured illness, the safer approach is to disclose everything so the insurer can consider it and state any acceptance conditions in the contract itself. It also helps to know how to prepare a health insurance claim file and the common mistakes when filing a claim to avoid unnecessary risk.

✅ Checklist before signing the insurance request form

• ☐ Read the entire insurance request form, insurance rules, benefits table and product summary document before signing
• ☐ Prepare the medical history of the past 3 years for each insured person (if any)
• ☐ Record the disease name, diagnosis date, treatment method and current condition for every Yes answer
• ☐ Check previous health insurance history, including any declines or acceptances with special terms
• ☐ Confirm that no one is under treatment for an illness/injury or has unstable symptoms, and that no one has a permanent disability of 50% or more
• ☐ Verify the Citizen ID Card (CCCD)/passport, date of birth and full name of each insured person
• ☐ Notify Bao Viet immediately of any health information changes after the declaration
• ☐ Sign, and keep a copy of the insurance request form; note that the form is valid for policy issuance within 30 days from the declaration date

Health disclosure is not a barrier — it is how you and your family get a clear, transparent contract and greater peace of mind when using your benefits. If you are unsure which category a condition of yours or a family member falls into, talk directly to an insurance consultant or contact the insurer for specific guidance before signing — find out more about Bao Viet An Gia and how to choose the right plan for your family’s needs.