5 Bao Viet InterCare Plans: Coverage Levels from Vietnam to Worldwide
Premium health insurance is one of the most important safety nets for your health and that of your loved ones, especially when facing unexpected medical risks. The Bao Viet InterCare program is designed for families, individuals, foreigners, and Vietnamese citizens, offering absolute peace of mind with flexible coverage options and benefit limits. With 5 program tiers, InterCare protects you domestically and accompanies you globally.
In this article
🌐 Overview of the 5 Bao Viet InterCare Programs and Coverage Scope
Participants can choose programs that suit their travel frequency and health protection needs. Each program corresponds to a specific coverage territory, accompanied by a corresponding maximum benefit limit (MBL):
- Select (Zone 1 – Vietnam): MBL of 1.05 billion VND, suitable for families or individuals primarily living in Vietnam.
- Essential (Zone 2 – Southeast Asia): Extends coverage to neighboring countries, with an MBL of 2.1 billion VND.
- Classic (Zone 3 – Asia): Covers the entire Asian continent, with an MBL of 4.2 billion VND.
- Gold (Zone 4 – Worldwide, excluding USA & Canada): Global coverage with a limit of 5.25 billion VND, ideal for business professionals or international students with rich travel histories.
- Diamond (Zone 5 – Worldwide): Maximum global coverage, including the USA and Canada, with the highest MBL of 10.5 billion VND.
For more details on eligibility and current promotions, you can access the detailed Bao Viet InterCare information here.
💰 Payout Limits and Core Benefits per Program
Upon enrollment, the programs offer attractive payout limits that scale up with the coverage tier. Below is an analysis of the key payout limits (in VND):
| Benefit (VND) | Select | Essential | Classic | Gold | Diamond |
|---|---|---|---|---|---|
| Room and board per day | 4,200,000 | 6,300,000 | 10,500,000 | 16,800,000 | 21,000,000 |
| Special care room (max 30 days/illness) | Up to MBL | ||||
| Surgery costs | Up to MBL | ||||
| Organ transplant (lifetime limit per organ) | 630,000,000 | 840,000,000 | 1,260,000,000 | 1,680,000,000 | 2,100,000,000 |
| Lifetime limit for critical illness/degree III burns/severe head trauma GCS < 8 | 210,000,000 | 420,000,000 | 840,000,000 | 1,050,000,000 | 2,100,000,000 |
Note: The above limits are the maximum payouts for a policy period and may vary depending on specific contract terms.
⚠️ International Exclusions and Co-payment Rules to Note
InterCare’s coverage is extensive, but it comes with key notes to help participants stay proactive:
- Embargoed countries: The policy does not cover or pay for risks arising in countries under embargo, such as Afghanistan, Cuba, Iran, Iraq, Syria, Belarus, Nicaragua, North Korea, Lebanon, Liberia, Libya, Somalia, Sudan, South Sudan, Venezuela, Crimea, and Zimbabwe.
- 70/30 co-payment for children under 3: A 30% co-payment is applied to the insured when seeking care at private medical facilities (excluding public hospitals), helping families proactively budget.
- Lifetime limit for critical illnesses: Applies limits from VND 210 million (Select) to VND 2.1 billion (Diamond) for critical illnesses, third-degree burns, and severe head trauma with GCS < 8.
If you are undecided between Bao Viet’s premium health insurance products, you can refer to the article Comparing Bao Viet An Gia and Intercare healthcare insurance for an overview of the differences between these two product lines, or find information for your loved ones here.
Choosing the right Bao Viet InterCare program is not just an investment in your current health, but a long-term commitment to protecting your family’s future. Whether you stay in Vietnam or travel abroad for work, InterCare is always there to accompany your next steps.
