Lifetime Limits for Specific Serious Conditions Under Personal InterCare Plans
In the process of participating in high-level health insurance, individual customers participating in Bao Viet InterCare are very interested in the regulations on lifetime limits for specific serious conditions. This is the maximum limit that the insurance unit commits to pay for an insured person throughout the effective period of the contract, especially for severe, particularly dangerous diseases that affect life.
The following is the complete information you need to understand the regulations on lifetime limits, from the corresponding amounts for each program to the specific diseases applied.
In this article
📌 Concept of Lifetime Limits in InterCare
According to the regulations in the section Supplementary Notes for Personal Insurance Contracts, the lifetime limit applies simultaneously to both the Main Insurance Benefit (Inpatient Treatment), Supplementary Insurance Benefit (Outpatient Treatment), and Life Insurance (if participating). This is a commitment to the maximum financial protection for the insured in the most severe cases.
💰 Lifetime Limit Table for Personal Contracts
The lifetime limit is calculated in Vietnamese Dong (VND) and depends on the insurance program chosen by the customer. The specific regulations are as follows:
| Program | Lifetime Limit (VND) |
|---|---|
| Select | 210,000,000 |
| Essential | 420,000,000 |
| Classic | 840,000,000 |
| Gold | 1,050,000,000 |
| Diamond | 2,100,000,000 |
Thus, this limit ranges from 210 million VND for the basic Select package up to 2.1 billion VND for the premium Diamond package, corresponding to a very large financial protection aimed at coping with long-term treatment costs.
🏥 Specific Conditions Subject to the Lifetime Limit
The lifetime limit regulation does not apply to all diseases, but is reserved only for the following extremely serious medical situations:
- Specific Diseases (*): Applied according to the list of “specific diseases” defined specifically in the insurance rules. These are dangerous diseases that require long-term treatment or have very high treatment costs.
- Burns from Grade III onwards: Grade III burns are severe, usually affecting the entire layer of skin and nerves underneath, requiring complex and long-term treatment interventions.
- Traumatic brain injury with a Glasgow Coma Scale score below 8 (GCS < 8): This is severe brain trauma, indicating a deep coma, with a high risk of leading to permanent disability or death.
This specific regulation helps insured individuals feel more secure when facing major health risks, while ensuring transparency and fairness in the settlement of insurance benefits.
📋 Checklist to Know When Checking the Lifetime Limit in the Contract
To be proactive in financial protection, you should note the following points:
- ☐ Identify the insurance program (Select, Essential, Classic, Gold, Diamond) you are participating in to know the exact corresponding lifetime limit.
- ☐ Check if your current medical conditions or family history belong to the list of “specific diseases” under the rules.
- ☐ Consider whether the lifetime limit (from 210 million to 2.1 billion VND) is sufficient to protect your family’s finances in the worst-case scenario.
- ☐ Understand that this regulation only applies to personal contracts and does not automatically extend to other parties unless specifically agreed upon.
💡 Benefits of Understanding the Lifetime Limit When Participating in InterCare
Understanding the lifetime limit for specific diseases in InterCare not only helps you feel legally secure but also serves as a basis for long-term financial planning for your family. This is one of the strongest protection commitments for severe disease cases, bringing a sense of safety and stability to both the insured and their loved ones.
Bao Viet InterCare is designed for families, individual foreigners, and Vietnamese people, with flexibility in the scope of protection and accompanying benefits. Explore the 5 Bao Viet InterCare plans to choose the level of protection suitable for your family’s needs.
The regulations on lifetime limits are built on the foundation of transparent insurance rules. To get a more comprehensive overview of the corresponding inpatient benefits, you can refer to Inpatient Benefits in Bao Viet InterCare: Room, Surgery, and ICU Coverage.
Protecting your family’s financial future is a far-sighted action, and understanding insurance limits is the first step to achieving absolute peace of mind in life.
