Direct Billing Cards in Bao Viet InterCare: Blue, Gold, and Platinum Explained

On your journey to protect your family’s health, having a comprehensive insurance solution not only helps you proactively cope with medical risks but also provides financial peace of mind. In Vietnam, premium health insurance Bao Viet InterCare stands out with its smart direct billing service, making medical payments as simple as possible. To optimize your experience, the system is designed with three types of cards: Green/Blue Card (Thẻ Xanh), Gold Card (Thẻ Vàng), and Platinum Card (Thẻ Platinum), each offering different features and usage conditions. This article will help you clearly distinguish between these cards.

🟢 Green Card (Thẻ Xanh): Smart inpatient direct billing solution

Green Card (often translated as Blue Card or Thẻ Xanh) is issued to customers enrolled in the Bao Viet InterCare series, but without subscribing to the outpatient care rider. This is the ideal choice for families who want to focus solely on protecting inpatient treatment costs (hospitalization, illnesses requiring hospital observation).

• Scope of coverage: Applies only to inpatient care (hospitalization).
• Conditions: Customers join any of the 5 Bao Viet InterCare plans (Select, Essential, Classic, Gold, Diamond) but do not purchase the outpatient rider.

If your family is looking for a reliable shield against the high costs of hospitalization and continuous inpatient care, the Green Card is your trusted companion, eliminating the stress of having to advance large sums of money for hospital fees.

🟡 Gold Card (Thẻ Vàng): Flexible coverage for both inpatient and outpatient

Gold Card (Thẻ Vàng) offers the perfect balance of convenience and cost-efficiency, designed for customers enrolled in the Select, Essential, or Classic programs, who also subscribe to the outpatient care rider.

• Scope of coverage: Supports both inpatient and outpatient care (consultations, treatments not requiring hospitalization).
• Conditions: Customers choose Select, Essential, or Classic programs and add the outpatient rider during registration.

With the Gold Card, you gain much greater daily control over your health. For minor health issues like follow-up visits, physiotherapy, or routine checkups, you can use this direct billing feature to avoid upfront payment paperwork.

⚪ Platinum Card (Thẻ Platinum): Premium comprehensive coverage

Platinum Card (Thẻ Platinum – often elegantly styled in black) is designed for families choosing maximum protection programs like Gold or Diamond, combined with the outpatient care rider. It represents the pinnacle of comprehensive, elite protection.

• Scope of coverage: Fully covers both inpatient and outpatient care, offering the highest spending limits across the InterCare programs.
• Conditions: Customers join the Gold or Diamond program and subscribe to the outpatient care rider.

With the Platinum Card, premium benefits like routine health checks, vaccinations, and other high-end healthcare services are seamlessly connected through the direct billing network, delivering top-tier, maximally convenient care.

💻 How to use the e-card on the BaoViet Direct app

Currently, for maximum convenience, customers can choose to receive a digital card (e-card) instead of a physical card. This is integrated into the BaoViet Direct mobile app, allowing you to easily manage your insurance details on your smartphone.

When you need to use it, simply open the BaoViet Direct app to display your digital card at any hospital or clinic that has a direct billing agreement with Bao Viet. The system will automatically authenticate your details and process the direct payment, making hospital admission or consultations quick and smooth, without administrative hassle.

Important note: The list of hospitals and clinics in Bao Viet’s direct billing network may change without prior notice and is updated regularly on the official website. To ensure a seamless process, we recommend checking the partner list before planning your medical visit.

☐ Checklist before using your direct billing card

• ☐ Identify your card type (Green, Gold, or Platinum) to know if outpatient care is covered at your chosen hospital.
• ☐ Check if the hospital or clinic you plan to visit is part of Bao Viet’s direct billing partner network.
• ☐ If opting for the digital version, ensure your e-card is activated and fully updated on the BaoViet Direct app.

Protecting your health is not just about anticipating medical risks, but also about taking proactive steps in healthcare administration. Understanding the Bao Viet InterCare direct billing card system will bring your family greater peace of mind every time medical support is needed. Choose the card that best fits your family’s needs and financial conditions to enjoy comprehensive protection.