Bao Viet InterCare Premium Schedule: Age Tiers, Inpatient Base, and Optional Riders
When seeking comprehensive health protection for your family, understanding how the Bao Viet InterCare premium schedule varies by age is a crucial first step. Every age group faces different healthcare costs and risks, which is why our premiums are designed flexibly to meet the real needs of participants, from newborns to seniors.
In this article
📊 Core Premium Schedule: Inpatient Benefits (IP) by Age Tier
The core insurance benefit—Inpatient care (IP) for illness or accidents—forms the foundation of the InterCare package. Premiums for this core benefit increase with age, accurately reflecting the actual healthcare costs at different life stages. Below is a reference table showing representative age groups (unit: VND/year):
| Age Tier | Select | Essential | Classic | Gold | Diamond |
|---|---|---|---|---|---|
| Under 1 year old | 17,760,000 | 18,613,000 | 20,818,000 | 24,977,000 | 30,352,000 |
| 1 – 3 years old | 11,458,000 | 12,641,000 | 14,923,000 | 18,847,000 | 24,175,000 |
| 19 – 25 years old | 6,000,000 | 6,800,000 | 8,700,000 | 11,600,000 | 22,200,000 |
| 41 – 45 years old | 11,200,000 | 11,500,000 | 15,700,000 | 20,900,000 | 30,000,000 |
| 65 – 69 years old | 28,600,000 | 39,200,000 | 44,700,000 | 55,900,000 | 77,300,000 |
| 70 – 75 years old (renewal) | 34,500,000 | 47,700,000 | 54,100,000 | 67,600,000 | 100,500,000 |
Generally, premiums rise significantly after age 50, especially for premium packages like Gold and Diamond, as inpatient care costs at top-tier international or single-room hospitals can be very high. To find out exactly how much the inpatient coverage will disburse, you should also refer to the Inpatient Benefits in Bao Viet InterCare: Room, Surgery, and ICU Coverage.
💰 Optional Riders and Their Additional Premiums
In addition to the core inpatient benefit, customers can choose optional riders with flexible additional premiums, expanding the scope of protection:
- Outpatient Care (OP): Has a separate premium schedule similar to inpatient coverage, helping to cover consultation fees, medications, and physiotherapy at clinics outside of hospitals.
- Maternity Coverage: Available for women aged 18 to 45. Fixed premium per package: ranging from 6,325,000 VND (Select) to 15,944,000 VND (Diamond).
- Dental Coverage: Fixed premium from 6,600,000 VND (Select) to 9,300,000 VND (Diamond), covering routine checks, cleanings, and specialized treatments.
- Personal Accident & Life Insurance: Calculated as a percentage (%) of the chosen sum insured or based on salary, ranging from 0.100% to 0.125% (accident) and 0.250% to 0.304% (life).
- Study Abroad Assistance: Fixed premium from 350,000 VND (Essential) to 1,050,000 VND (Diamond), protecting against study interruption costs.
Adding these riders ensures that all out-of-pocket medical expenses are protected, though customers should pay attention to the corresponding eligibility conditions and waiting periods. You can also refer to the Waiting Periods in Bao Viet InterCare: General Illnesses, Pre-Existing Conditions, and Maternity to plan your finances optimally.
🛡️ Key Considerations When Choosing Your Package and Premium
When referencing the premium schedule, customers should keep the following basic points in mind to choose a package that truly fits their needs:
- Initial enrollment age: From 15 days old up to 69 years old. For continuous renewals, the maximum age can be extended to 75 years.
- Co-payment rules for children under 3: Applies a 70/30 co-pay ratio (Bao Viet pays 70%, the policyholder pays 30%) at non-public hospital facilities. Read more about the 70/30 co-pay rules for toddlers under 3.
- Health conditions: Applicants must not have mental illnesses, cancer (during the first year of enrollment), or permanent disability of 80% or more. Honest health disclosure before signing is extremely important.
- Geographical scope: The Select, Essential, Classic, Gold, and Diamond packages correspond to coverage regions from Vietnam, Southeast Asia, Asia, worldwide (excluding USA/Canada), to worldwide. Premiums already include protection according to the selected scope.
Before deciding on a package, make sure you have thoroughly reviewed the Eligibility for Bao Viet InterCare: Age Limits, Health Criteria, and the 180-Day Rule to ensure your contract is fully valid and protected.
The Bao Viet InterCare premium schedule is a scientifically designed tool to help you balance your budget and choose the best protection for your loved ones. If you need specific premium calculations based on the actual ages of your family members, please contact PAA’s advisory team at 0347674755 for fast, dedicated support.
