What to Know About Bao Viet An Gia Health Insurance Benefits
When searching for a healthcare protection plan for yourself and your family, navigating detailed benefit schedules can often feel overwhelming. Understanding exactly what is covered allows you to choose the program best suited to your medical needs and household budget. Explore the breakdown of Bao Viet An Gia health insurance benefits below to help you feel confident whenever medical attention is needed.
The product offers five flexible program tiers: Bronze (Đồng), Silver (Bạc), Gold (Vàng), Platinum (Bạch Kim), and Diamond (Kim Cương). The policy structure consists of a mandatory Main Benefit (Inpatient Treatment) and several optional Supplementary Riders that you can customize based on your needs.
In this article
- 🛡️ Core Bao Viet An Gia Benefit: Inpatient Treatment
- Detailed Breakdown of Inpatient Expenses
- 🌿 Optional Supplementary Health Insurance Riders
- 1. Outpatient Treatment for Illness, Accidents, and Pregnancy Complications
- 2. Personal Accident (PA) and Personal Term Life Insurance
- 3. Dental Care Insurance
- 4. Maternity Care Insurance
- 📋 Key Claim Rules and Conditions to Keep in Mind
🛡️ Core Bao Viet An Gia Benefit: Inpatient Treatment
The primary benefit serves as the foundation of the contract. It reimburses eligible medical expenses incurred when an insured person requires hospitalization due to illness, disease, accidents, or pregnancy complications within the territory of Vietnam.
The maximum annual liability limits for inpatient care per plan tier are:
- Bronze Plan: 94,000,000 VND per person/year.
- Silver Plan: 138,000,000 VND per person/year.
- Gold Plan: 230,000,000 VND per person/year.
- Platinum Plan: 342,000,000 VND per person/year.
- Diamond Plan: 454,000,000 VND per person/year.
Detailed Breakdown of Inpatient Expenses
Within the overall maximum annual limits listed above, specific medical expenses are allocated according to individual line items:
| Inpatient Expense Category | Bronze | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|---|
| Hospital room & board (max 60 days/year) | 2,000,000 VND/day (max 40M) | 3,000,000 VND/day (max 60M) | 5,000,000 VND/day (max 100M) | 7,500,000 VND/day (max 150M) | 10,000,000 VND/day (max 200M) |
| Pre-hospitalization examination (within 30 days) | 2,000,000 VND/year | 3,000,000 VND/year | 5,000,000 VND/year | 7,500,000 VND/year | 10,000,000 VND/year |
| Post-hospitalization follow-up (within 30 days) | 2,000,000 VND/year | 3,000,000 VND/year | 5,000,000 VND/year | 7,500,000 VND/year | 10,000,000 VND/year |
| Ground ambulance services | 5,000,000 VND/year | 5,000,000 VND/year | 10,000,000 VND/year | 10,000,000 VND/year | 10,000,000 VND/year |
| Surgical costs | 40,000,000 VND/year | 60,000,000 VND/year | 100,000,000 VND/year | 150,000,000 VND/year | 200,000,000 VND/year |
| Rehabilitation costs | 4,000,000 VND/year | 6,000,000 VND/year | 10,000,000 VND/year | 15,000,000 VND/year | 20,000,000 VND/year |
| Public hospital daily allowance (max 60 days/year) | 80,000 VND/day | 120,000 VND/day | 200,000 VND/day | 300,000 VND/day | 400,000 VND/day |
| Hospital burial allowance | 1,000,000 VND/case | 1,000,000 VND/case | 1,000,000 VND/case | 1,000,000 VND/case | 1,000,000 VND/case |
Regarding room and board charges, the policy pays for 1 hospital bed if the patient room contains two or more beds. Notably, if receiving intensive care in an ICU, HDU, or CCU at a public hospital, the daily room limit is calculated at 1.5 times the standard daily rate.
🌿 Optional Supplementary Health Insurance Riders
Beyond the core inpatient plan, members can attach optional add-on benefits to broaden their healthcare protection.
1. Outpatient Treatment for Illness, Accidents, and Pregnancy Complications
The outpatient rider covers up to 10 medical visits per policy year:
- Bronze Plan: 6,000,000 VND/year (up to 1,200,000 VND/visit; physiotherapy 60,000 VND/day).
- Silver Plan: 7,000,000 VND/year (up to 1,400,000 VND/visit; physiotherapy 70,000 VND/day).
- Gold Plan: 8,000,000 VND/year (up to 1,600,000 VND/visit; physiotherapy 80,000 VND/day).
- Platinum Plan: 10,000,000 VND/year (up to 2,000,000 VND/visit; physiotherapy 100,000 VND/day).
- Diamond Plan: 15,000,000 VND/year (up to 3,000,000 VND/visit; physiotherapy 150,000 VND/day).
The accompanying physiotherapy benefit is subject to a cap of 60 days per insurance year.
2. Personal Accident (PA) and Personal Term Life Insurance
Insured members can select a sum insured that matches their financial goals:
- Personal Accident: Choose a sum insured ranging from 20,000,000 VND to 1,000,000,000 VND across all plan tiers.
- Personal Life: Tier-based limits ranging from Bronze (20–200 million VND), Silver (20–300 million VND), Gold (20–500 million VND), Platinum (20–700 million VND), to Diamond (20 million to 1 billion VND).
3. Dental Care Insurance
Reimburses costs for dental examinations and standard treatments based on annual and per-visit caps:
- Bronze and Silver Plans: 2,000,000 VND/year (max 1,000,000 VND/visit).
- Gold Plan: 5,000,000 VND/year (max 2,500,000 VND/visit).
- Platinum Plan: 10,000,000 VND/year (max 5,000,000 VND/visit).
- Diamond Plan: 15,000,000 VND/year (max 7,500,000 VND/visit).
4. Maternity Care Insurance
Maternity benefits are available exclusively for female insured members aged 18 to 45 and are not offered under the Bronze plan:
- Silver, Gold, and Platinum Plans: Maximum annual limit of 21,000,000 VND/year.
- Diamond Plan: Maximum annual limit of 31,500,000 VND/year.
📋 Key Claim Rules and Conditions to Keep in Mind
To ensure claims are reviewed smoothly and transparently, policyholders must be aware of several essential terms:
- A 70/30 co-payment applies to children aged 15 days to 3 years (the insurer covers 70%, while the client covers 30%), unless treatment occurs at standard public medical facilities (excluding on-demand services and international departments).
- Comply with standard waiting periods: 30 days for conventional illnesses, 90 days for pregnancy complications, 635 days for childbirth, and 365 days for pre-existing or special conditions.
- Be clear on whether your treatment will be processed via direct cashless billing or manual reimbursement; review our guide on direct billing vs. claim reimbursement to prepare financially in advance.
- Carefully retain all valid electronic VAT invoices (e-invoices), medical prescriptions, and medical treatment records according to the health insurance claim checklist to prevent claim delays or rejections.
Actual claim settlements depend strictly on the selected plan tier, contractual policy wording, and verified medical documentation. Please review your policy terms carefully or speak directly with an insurance advisor before scheduling planned treatments.
