Submitting soft claim files for Bao Viet An Gia
After discharge, many people worry about preparing a bulky paper file — printing, signing and submitting it in person. In practice, for certain inpatient and outpatient claims, your Bao Viet An Gia claim file can be submitted as a soft file through the BaoViet Direct app. This guide covers the eligibility conditions, invoice and document requirements, and tips to help you prepare a tidy file.
In this article
📱 What is a soft file and when does it apply?
According to the standard insurance contract template, Bao Viet settles insurance benefits based on soft files submitted through the BaoViet Direct app. This approach shortens the time customers spend preparing paperwork, instead of printing, signing and sending a hard copy of every document.
However, soft files do not apply to every claim. You need to check whether your request falls within the allowed conditions before you start declaring in the app.
🧾 Conditions for submitting a soft file
A soft file is only accepted when all of the following conditions are met:
- The claim amount is not an inheritance (i.e., the insured person has not passed away).
- The claim amount is less than or equal to 10,000,000 VND (ten million dong).
- The file is created and submitted through the BaoViet Direct app, with electronic authentication via an OTP sent to your registered phone number.
If your request exceeds this amount, involves an inheritance, or requires further review or verification, you will still need to prepare a paper file as required by the insurer. For the general submission process, see How Can You Submit a Health Insurance Claim?
| Item | Requirement for soft file submission |
|---|---|
| Claim Request Form and Accident Statement | Created in the BaoViet Direct app with OTP authentication; holds the same value as a directly signed hard copy |
| Payment invoice | A copy showing an e-invoice or a converted e-invoice, with a lookup link |
| Medical documents | Copies (photocopy, photo, scan) accepted; certified copies or Bao Viet confirmation are not required |
| Public medical facility managing patients by barcode | No stamp of the department, clinic or hospital is required on the documents |
| Other documents | Certified copy or Bao Viet-confirmed copy, depending on the specific case |
📄 Documents to prepare for a soft file
When declaring in the app, keep these document groups in mind so your Bao Viet An Gia claim file is received smoothly:
- Claim Request Form and Accident Statement: created directly in the app. These documents are stored in Bao Viet’s information technology system, so customers do not need to print, sign or send hard copies afterwards.
- Invoices: must be a copy of an e-invoice (hóa đơn điện tử) with a lookup link, or a converted e-invoice that also has a lookup link. Invoices without a lookup link may not meet the soft-file rules.
- Medical documents: photocopies, photos or scans are accepted. At public medical facilities that manage patients with barcodes, documents do not need department or clinic stamps.
- Other documents (if any): depending on the case, a certified copy or a copy confirmed by Bao Viet may be needed.
Regarding hospital invoices, note that having an invoice does not mean the cost will definitely be paid, as it also depends on your benefits, waiting periods and exclusions. See Is Having an Invoice Enough to Get Reimbursed?
✅ Checklist before sending a soft file
- ☐ Confirm the claim amount is no more than 10,000,000 VND and is not an inheritance.
- ☐ Log in to the BaoViet Direct app with your registered phone number and receive the OTP authentication.
- ☐ Check that the e-invoice has a clear lookup link matching the insured person’s information.
- ☐ Photograph or scan medical documents clearly, with all pages complete, no blur and no cropped information.
- ☐ Declare the truth and provide complete information in the app before confirming the submission.
- ☐ Keep all originals and hard copies of the documents to provide when requested.
If your file is asked for additional documents, do not worry — this is a normal verification step. You can review common reasons in Why Does the Insurer Ask for Additional Documents? and the overall checklist in the Health Insurance Claim Checklist.
⏳ Processing time and key notes
Under Article 10 of the contract template, the insurer is responsible for settling and paying the insurance money in cash or by bank transfer within 15 working days from the date it receives a complete and valid claim file. This means the processing pace depends on whether your file is complete and valid, so careful document preparation from the start matters. For more on timelines, see How Long Does a Health Insurance Claim Take?
You should also keep these points in mind:
- Bao Viet reserves the right to request hard copies and originals of all documents and the original file for inspection, verification and cross-checking in some cases. Therefore, do not throw away original documents after submitting a soft file.
- Submitting a soft file is not a guarantee of payment. The outcome still depends on your covered benefits, waiting periods, exclusions, truthful disclosure and the conditions in your contract.
- If the claim involves death (inheritance) or an amount above the stated limit, you must prepare the file according to the insurer’s specific requirements.
💬 Final thoughts
A soft file via the BaoViet Direct app is a convenient option when your claim meets the conditions, saving time on printing and sending paperwork. That said, each contract may have its own rules, so read your policy carefully or contact the Bao Viet hotline or your advisory agent for specific guidance before submitting your Bao Viet An Gia claim file.
