How Much Does Tam Binh Cost? Premiums by Age Band and Plan
When you’re considering health insurance for your family, the first question is usually: how much does Tam Binh cost per year? The premium isn’t fixed — it depends on your age band, the plan you choose and any add-on benefits. This article compiles reference rates from the product premium table so you can get a rough idea before receiving an official quote.
In this article
💡 What makes up the Tam Binh premium?
Bao Viet Tam Binh includes a main benefit (inpatient care due to illness, accident and maternity) plus optional add-ons you select. According to the sample Insurance Request Form, the total premium is the sum of: the main benefit, add-ons (personal accident, or life & personal accident, and outpatient treatment), the extension loading fee for expanded coverage scope (if any) and any premium increases/decreases. To understand the product structure, read What Is Bao Viet Tam Binh? Who Can Join and What Does It Cover?
Key point: of the two death/permanent disability benefits, you may choose only one — personal accident or life & personal accident — so the premiums for these two options are never added together.
📋 Inpatient premiums across the 5 plans
This is the main benefit, with a sum insured of 60,000,000–330,000,000 VND per person per year across the Basic to Premium plans. Reference rates by age band (coded 9–13 in the premium table) are as follows (VND/year):
| Age band (code) | Basic | Extended | Advanced | Comprehensive | Premium |
|---|---|---|---|---|---|
| 9 | 863,000 | 1,510,000 | 1,972,000 | 2,414,000 | 3,198,000 |
| 10 | 535,000 | 936,000 | 1,301,000 | 1,593,000 | 2,111,000 |
| 11 | 584,000 | 1,021,000 | 1,420,000 | 1,738,000 | 2,303,000 |
| 12 | 486,000 | 851,000 | 1,183,000 | 1,448,000 | 1,919,000 |
| 13 | 596,000 | 1,042,000 | 1,449,000 | 1,774,000 | 2,350,000 |
Inpatient premiums therefore range from roughly 486,000–3,198,000 VND/year/person, depending on age band and plan. The differences between the plans are explained in detail in Tam Binh’s 5 Plan Tiers Compared: Basic to Premium.
🛡️ Personal accident and life & personal accident premiums
These two add-ons offer a sum insured of 20,000,000–100,000,000 VND per person. You choose only one of them; reference rates (VND/year):
| Age band (code) | Personal accident (20–100 million) | Life & personal accident (20–100 million) | ||
|---|---|---|---|---|
| Lowest (20 million) | Highest (100 million) | Lowest (20 million) | Highest (100 million) | |
| 9 | 116,000 | 580,000 | 132,000 | 652,000 |
| 10 | 104,000 | 520,000 | 116,000 | 576,000 |
| 11 | 100,000 | 500,000 | 108,000 | 548,000 |
| 12 | 108,000 | 540,000 | 120,000 | 592,000 |
| 13 | 112,000 | 568,000 | 128,000 | 632,000 |
Overall, this benefit group ranges from about 100,000–652,000 VND/year. The life & personal accident option typically costs more than personal accident alone because it extends payment for death/total permanent disability due to any cause.
🏥 Outpatient treatment premiums
The outpatient benefit (medical examination, accident, maternity complications and dental treatment) has a sum insured of 3,000,000–10,000,000 VND per person per year. Reference rates (VND/year):
| Age band (code) | Basic (3 million) | Extended (3 million) | Advanced (6 million) | Comprehensive (8 million) | Premium (10 million) |
|---|---|---|---|---|---|
| 9 | 408,000 | 408,000 | 816,000 | 1,084,000 | 1,356,000 |
| 10 | 320,000 | 320,000 | 644,000 | 856,000 | 1,072,000 |
| 11 | 300,000 | 300,000 | 600,000 | 800,000 | 1,000,000 |
| 12 | 344,000 | 344,000 | 684,000 | 916,000 | 1,144,000 |
| 13 | 384,000 | 384,000 | 772,000 | 1,028,000 | 1,284,000 |
Outpatient premiums range from about 300,000–1,284,000 VND/year. Note that the Basic and Extended plans share the same 3,000,000 VND sum insured, so their rates are identical at every age band in this table.
🧮 How the total Tam Binh premium is calculated
Per the sample Insurance Request Form, the total premium follows this formula: Total = Main benefit + Add-ons + Extension loading fee + Premium increase/decrease. Here’s an illustration for someone in age band 12 choosing the Basic plan with personal accident and outpatient cover:
- Inpatient (Basic): 486,000 VND
- Personal accident (20 million level): 108,000 VND
- Outpatient (3 million level): 344,000 VND
- Reference total: 938,000 VND/year (before any extension loading or premium adjustments)
This figure only illustrates how premiums add up; in practice it also depends on the coverage scope (public hospitals or the entire system), the number of insured persons and individual adjustments in the contract.
⚠️ Important notes when checking Tam Binh premiums
- ☐ The table above covers only age bands coded 9–13 in the reference documents; other bands require a separate quote.
- ☐ Rates may change over time and with your declared health status — always verify the official premium when you receive a quote from the insurer.
- ☐ Add-on premiums apply only when you register for them; for death/disability benefits, choose only one of the two types.
- ☐ The total premium in the contract may include the extension loading fee and other increases/decreases.
- ☐ Waiting periods, exclusions and payout limits don’t change with the premium — read the policy rules carefully before signing.
Understanding the premium structure helps families budget more sensibly in their financial plan — you may also find What Is Insurance? How It Fits Into Your Financial Plan useful when setting a premium that matches your income.
The reference rates above are compiled from the product premium table for your initial comparison. Because actual premiums can be adjusted for the full age band, health status and coverage scope, request an official quote from Bao Viet or an advisor for the most reliable figure for your family.
