Buying insurance toward the end of the year is an effective way to optimize costs and receive valuable gifts. The BaoViet insurance promotion 2026 officially runs from July 1, 2026 to September 30, 2026, offering a 10% premium discount and 5,000 gifts. This is an ideal time for workers and foreigners in Vietnam to secure comprehensive protection.
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🎁 Overview of the BaoViet Insurance Promotion 2026
The program is designed to deliver practical value to individual customers. By combining premium discounts with gift giveaways, participants can optimize their insurance budget.
The program applies to contracts with premium payment dates from July 1, 2026 through September 30, 2026. Customers should note this timeframe to avoid missing the promotion.
In terms of contract types, the program applies to new contracts for health insurance, personal accident, and auto physical damage products. For home insurance, the program applies to both new and renewal contracts.
An important rule is that this program cannot be combined with other promotional programs. Except for standard premium discounts specified by the product, customers should review this clause carefully.
The program offers a direct 10% discount on insurance premiums. However, this discount is only available from the 20th to the 30th of each month during the program period.
Planning your premium payment to fall within the discount window is key. Individual customers, especially salaried workers, can take advantage of this period to reduce the upfront cost of joining insurance.
For cumulative discounts such as family policies, the total discount will not exceed 20% of the product’s standard premium. This helps families optimize costs when enrolling multiple members.
Note that the premium discount does not apply to certain specific products: Auto Physical Damage, Voluntary Private Home Insurance, Compulsory Fire and Explosion Insurance, and Bao Tin Tam An. Customers joining these products may still qualify for gifts under separate rules.
🛍️ 5,000 Gift Giveaways
In addition to the premium discount, the program offers 5,000 branded gifts to customers. The condition for receiving a gift is that the policy premium must be generated during the promotion period.
Gifts are distributed monthly, averaging approximately 1,300 gifts per month. Quantities are limited, and the gift program ends when all gifts have been distributed.
The gifts are practical and suited to everyday needs and travel. From raincoats and helmets to travel luggage covers and power banks, all items offer high everyday utility.
The premium amount used to determine the gift is calculated before VAT (value-added tax, a consumption tax applied to goods and services in Vietnam) and after any applicable discount. Below is a detailed breakdown of premium tiers and corresponding gifts:
| Premium Amount | Gift | Quantity | Premium Condition |
|---|---|---|---|
| From 1 – under 5 million VND | Raincoat | 2,000 | Auto Physical Damage ≥ 10 million VND; Other products ≥ 2 million VND; Personal Accident ≥ 1 million VND |
| From 5 – under 10 million VND | 1 of 3 gifts: Helmet, Travel Pillow & Eye Mask Set, Cabin-Size Luggage Cover | 1,000 | |
| From 10 – under 15 million VND | Four-Season Gift Set (Tote bag & folding umbrella) | 700 | |
| From 15 million VND and above | 20,000 mAh Power Bank | 400 | |
| Special: 40 highest-premium policies | Luggage | 40 | Minimum premium of 50 million VND |
In addition to the gift tiers above, the program includes a special reward. At the end of the program, the 40 policies with the highest premiums (with a minimum premium of 50 million VND) will receive an additional gift valued at 2.5 million VND.
📋 Eligible Products and Target Customers
The program covers a diverse range of insurance products. This makes it easier for workers and foreigners in Vietnam to choose a protection package that suits their needs.
For foreigners and workers in Vietnam, having suitable insurance contracts brings peace of mind while living and working. Health insurance and personal accident products are especially important for managing unexpected life risks. Understanding which products are eligible for the promotion helps customers make informed enrollment decisions.
Health insurance products include:
- BaoViet An Gia
- BaoViet Tam Binh
- BaoViet Intercare
- KCare, CI37, CI10
Having health insurance helps reduce financial anxiety when risks arise.
Personal accident products include:
- An Tam Vien Phi
- Bao Tin Tam An
- High-Limit Personal Accident
- 24/7 Personal Accident
Private home insurance products include:
- Voluntary Private Home Insurance
- Compulsory Fire and Explosion Insurance for Private Homes
Auto physical damage insurance:
- Auto Physical Damage Insurance
Applies to auto physical damage insurance for individual customers.
Regarding eligible customers, the program specifies rules for each product. Bao Tin Tam An is available to both individual and corporate customers. Auto Physical Damage Insurance is for individual customers with vehicles of 8 seats or fewer, not used for commercial transport, and classified as personal passenger vehicles, pickup trucks, or dual-purpose vehicles. Other products apply to individual customers.
💡 Important Notes Before Joining the Program
To maximize your benefits from the promotion, careful preparation is essential. Here is a checklist to help you avoid missing out:
- ☐ Check the premium payment period (July 1 – September 30, 2026) to ensure eligibility.
- ☐ Confirm the contract type (new or renewal for home insurance).
- ☐ Compare your premium amount with the corresponding gift eligibility threshold.
- ☐ Plan your payment between the 20th and 30th of each month to receive the 10% discount (applies to eligible products).
- ☐ Contact your advisory agent or review the policy terms to understand detailed rules.
Understanding the rules ensures a smooth insurance enrollment process. If you need support with the claims process later, you can refer to the health insurance claim checklist to prepare properly.
Careful preparation before joining the promotion will help you optimize both benefits and costs. Contact your advisory agent or review the policy terms carefully to ensure a smooth and reassuring insurance experience.
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