BVCARE CORPORATE HEALTH INSURANCE

BVCARE CORPORATE HEALTH INSURANCE is Bao Viet’s comprehensive health insurance product, trusted and used by millions of Vietnamese people to care for and protect their own health and that of their families.

The product is issued together with Decision No. 6028/QD-BHBV dated June 27, 2025, issued by the General Director of Bao Viet Insurance Corporation.

Key Benefits

• All terms and conditions can be flexibly negotiated.

• Coverage is available for persons from 15 days old to 70 years old, including:

• Death due to illness or accident
• Medical treatment for illness or accident
• Maternity and maternity complication benefits
• Dental treatment
• Salary allowance during medical treatment for illness or accident

• COVID-19 is treated as an ordinary illness.
• No pre-insurance medical examination is required.
• Access to a modern nationwide hospital network.
• Multiple benefit levels to suit different needs and budgets.
• 24/7 cashless medical guarantee service, allowing customers to receive treatment at affiliated medical facilities without making an upfront payment for medical expenses.

INSURANCE PLANS

BVCARE CORPORATE HEALTH INSURANCE is available with a minimum of one insurance plan, with benefit levels selected according to the customer’s needs. The following is a sample illustration:

TABLE OF INSURANCE BENEFITS

Currency: VND

I. LIFE INSURANCE

Death and permanent total disability due to all causes (excluding accidents and other specified exclusions)

Sum Insured: VND 100,000,000

II. DEATH AND PERMANENT DISABILITY DUE TO ACCIDENT

III. MEDICAL EXPENSES DUE TO ACCIDENT

Includes inpatient/outpatient medical treatment expenses, medicines and necessary medical supplies prescribed by a physician, and emergency transportation services (excluding air ambulance services and assistance company services) arising from the treatment of bodily injuries caused by an accident.

Reimbursement is based on actual and reasonable expenses, subject to and not exceeding the applicable Sum Insured.

IV. INPATIENT TREATMENT DUE TO ILLNESS AND MATERNITY

Maximum annual Sum Insured and the following sub-limits:

Sub-limit per person/year = Hospitalization Benefit Limit = Surgery Benefit Limit = Sum Insured / 3

(collectively referred to as the Sub-limit)

1. Hospitalization due to illness, normal delivery, Caesarean section and maternity complications

Maximum 60 days/year

Necessary and reasonable medical expenses prescribed by a physician during hospitalization, including day treatment:

• Room and board expenses according to the hospital room standard. If the Insured Person uses a room with two or more beds, the Insurer will only cover the cost of one hospital bed for the Insured Person.
• Intensive Care Unit (ICU), High Dependency Unit (HDU), Coronary Care Unit (CCU) and similar units, as well as emergency treatment.
• Blood, oxygen, plasma/serum expenses.
• Medicines and pharmaceuticals used during hospitalization.
• Bandages, splints and casts.
• Intravenous injections and infusions.
• Laboratory tests and diagnostic imaging such as X-ray, MRI, CT, PET, ultrasound, endoscopy and similar examinations. Such examinations must be medically necessary as prescribed by a physician for assessing the medical condition and form part of the inpatient treatment expenses.
• Delivery expenses.
• Other related medical expenses.

Plan 1

Hospital aggregate expenses are subject to a limit of VND 2,000,000 per hospital day and a maximum of VND 40,000,000/person/year.

At private hospitals, international hospitals, voluntary departments, requested-treatment departments, service departments or international departments of public hospitals:

Room and bed expenses: maximum VND 1,200,000/day.

Plan 2

Hospital aggregate expenses are subject to a limit of VND 4,000,000 per hospital day and a maximum of VND 80,000,000/person/year.

At private hospitals, international hospitals, voluntary departments, requested-treatment departments, service departments or international departments of public hospitals:

Room and bed expenses: maximum VND 2,400,000/day.

2. Surgery due to illness, Caesarean section and maternity complications

Includes:

• Surgery/procedure expenses for treatment. The list of procedures is prescribed in the current Schedule of Medical Procedures and Surgeries issued by the Ministry of Health.
• Medicines and medical supplies used during surgery.
• Necessary and reasonable medical equipment prescribed by a physician and not otherwise excluded under the insurance coverage.
• Operating room expenses, surgeon fees and anesthesia expenses.
• Pre-operative consultation and post-operative recovery expenses, including re-operation expenses.
• Organ transplantation expenses (excluding the costs of purchasing, transporting and preserving the transplanted organ and all expenses incurred by the organ donor).
• Other medical expenses related to the surgical/medical procedure.

This also includes day surgery.

3. Pre-hospitalization medical expenses

One medical consultation within 30 days prior to hospitalization.

At private hospitals, international hospitals, voluntary departments, requested-treatment departments, service departments or international departments of public hospitals:

• Plan 1: room and bed expenses up to VND 1,200,000/day
• Plan 2: room and bed expenses up to VND 2,400,000/day

4. Post-hospitalization follow-up expenses

Within 30 days from the date of discharge.

At private hospitals, international hospitals, voluntary departments, requested-treatment departments, service departments or international departments of public hospitals:

• Plan 1: room and bed expenses up to VND 1,200,000/day
• Plan 2: room and bed expenses up to VND 2,400,000/day

5. Home nursing expenses immediately after discharge

Maximum 30 days/year.

At private hospitals, international hospitals, voluntary departments, requested-treatment departments, service departments or international departments of public hospitals:

• Plan 1: room and bed expenses up to VND 1,200,000/day
• Plan 2: room and bed expenses up to VND 2,400,000/day

6. Hospitalization allowance

Maximum 60 days/year.

Only one of the following three types of allowance shall apply:

7. Additional allowances at public hospitals

7.1. Childbirth allowance at public hospitals

Excluding voluntary, requested-treatment, service and international departments of public hospitals.

7.2. Inpatient surgery allowance

Applicable where the Insured Person uses the compulsory State health insurance card (BHYT) at a public hospital and BHYT covers at least 60% of the total medical expenses.

VND 2,000,000/person/year under both Plan 1 and Plan 2.

8. Rehabilitation

9. Ambulance services

Excluding air ambulance services and assistance company services.

10. Funeral allowance

Applicable in the event of death during hospitalization.

12. Maternity Benefits — Childbirth and Maternity Complications

For customers with fewer than 50 employees:

Total annual maternity benefit: VND 15,000,000, payable under Benefits 1, 2 and 3 above, without application of the daily hospitalization limit.

Reimbursement is based on actual expenses as follows:

Normal delivery and non-surgical maternity complications:

Maximum VND 8,000,000/person/year

Caesarean section and surgical maternity complications:

Maximum VND 15,000,000/person/year

The same actual-expense limits apply under Plan 2:

• Normal delivery and non-surgical maternity complications: maximum VND 8,000,000/person/year
• Caesarean section and surgical maternity complications: maximum VND 15,000,000/person/year

V. ADDITIONAL INSURANCE BENEFITS

1. Outpatient treatment for illness, maternity and dental treatment

Maximum annual Sum Insured and applicable sub-limits:

1.1. Outpatient treatment for illness

Includes:

• Medical consultation expenses and prescription medicines;
• Laboratory tests, X-rays, ultrasound and diagnostic imaging related to treatment of illnesses within the scope of coverage;
• Outpatient and day surgery/procedure expenses where no room/bed expenses are incurred;
• Endoscopy/procedures (including inpatient, day treatment or outpatient treatment) performed solely for diagnostic purposes without treatment;
• Outpatient maternity complications: VND 500,000/year.

1.2. Physiotherapy and other treatment methods

Includes physiotherapy, radiation therapy, heat therapy, thread embedding therapy, light therapy and other similar treatment methods prescribed by a physician.

1.3. Basic dental treatment

Includes:

• Dental examination and X-rays;
• Gingivitis and periodontal treatment;
• Dental fillings using conventional materials such as amalgam, composite, Fuji or similar materials;
• Root canal treatment;
• Scaling and removal of dental calculus: VND 500,000/year;
• Extraction of diseased teeth, including minor surgery and surgery.

1.4. Routine antenatal check-ups

Includes:

• Medical consultation;
• Ultrasound;
• Urine tests related to pregnancy;
• Complete blood count;
• Medicines prescribed by a physician.

3. Loss of Income / Salary Allowance

Maximum annual Sum Insured/person:

Maximum VND 30,000,000 per type/year

Includes:

• Loss of income/salary allowance during inpatient and/or outpatient treatment due to an accident as prescribed by the treating physician (maximum 180 days/year).
• Loss of income/salary allowance during inpatient treatment for illness, excluding maternity, as prescribed by the treating physician (maximum 180 days/year).

Daily allowance = Sum Insured / Total number of days

ELIGIBILITY CONDITIONS

• Age from 12 months to under 66 years old.
• Not suffering from mental disorders or leprosy.
• Not suffering from cancer (applicable only to Insured Persons participating in their first year of coverage).
• Not having permanent disability of 80% or more (applicable only to Insured Persons participating in their first year of coverage).
• Not currently receiving inpatient treatment for specified serious illnesses as defined in the policy (applicable only to Insured Persons participating in their first year of coverage).
• Vietnamese citizens or foreigners legally residing in Vietnam who do not leave Vietnam continuously for more than 180 days.

ELIGIBLE INSURED PERSONS

Employees

Employees are persons who have an employment contract, probationary contract or other employment agreement with the Policyholder in accordance with Vietnamese labor law, work for the Policyholder and are included in the list of Insured Persons throughout the insurance period.

Employees’ Family Members

a. An employee may register insurance coverage for their family members only once, at the beginning of the insurance contract period.

b. Registration after the insurance effective date is only applicable in the following cases:

• Family members of newly recruited employees or the spouse of an employee who has recently married;
• A newly married spouse of an employee;
• A newborn child who reaches the required age and satisfies the eligibility conditions for participation;
• Family members of an employee who have completed the probationary period or where the employee receives a promotion during the insurance period, subject to the company’s policy allowing the purchase of insurance for such family members.

WAITING PERIODS

a. Employees

b. Family Members

KEY EXCLUSIONS

Please contact us for further details.

INSURANCE PREMIUM

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