What Does BVCare (New) Enterprise Health Insurance Cover?

When looking for a medical welfare solution for your organization, understanding the benefit structure is the top priority for HR teams and employees alike. The Bao Viet enterprise health insurance program (new BVCare) is designed to provide comprehensive protection against unexpected health risks. Knowing the full benefit list helps businesses balance their budget and strengthen internal cohesion.

In Vietnam, group medical care policies are receiving increasing attention, especially for both domestic employees and foreign experts working at multinational companies. You can learn more about welfare direction through the corporate health insurance program to better understand its long-term value for the organization.

🛡️ Overview of the 5 benefit groups of Bao Viet enterprise health insurance

According to Appendix I of the standard insurance contract, the new BVCare program includes 5 main benefit groups, from life and accident protection to advanced medical care:

• Group I – Life Insurance: Paid in the event of death or total permanent disability due to any cause (excluding accidents and exclusions as specified).
• Group II – Death and permanent disability due to accident: Financial protection against bodily injuries leading to death, total or partial permanent disability caused by an accident.
• Group III – Medical expenses due to accident: Payment of actual, reasonable treatment costs, both inpatient and outpatient, including medication, medical supplies and road ambulance service when treating accident-related injuries.
• Group IV – Inpatient treatment due to illness and maternity: Payment of hospitalization, surgery and diagnostic imaging costs, along with related medical allowances during treatment for illness or childbirth.
• Group V – Supplementary insurance benefits: Optional extended benefits including outpatient treatment, dental care and loss-of-income allowance.

For organizations with multinational staff, this policy also applies to foreign employees legally residing in Vietnam under the common standards of the health insurance for foreigners package.

🏥 Details of inpatient coverage and supplementary benefits

Within the contract structure, inpatient benefits and supplementary clauses are the parts participants care most about when actual medical needs arise.

1. Inpatient treatment due to illness and maternity (Group IV)

Inpatient benefits cover necessary and reasonable treatment costs as prescribed by a doctor:

• Room, bed, standard meal and intensive care costs (ICU, HDU, CCU).
• Surgery, day procedure or hospitalization costs, including medication and consumables.
• Pre-admission examination and post-discharge follow-up costs (within 30 days).
• Home nursing care immediately after discharge and rehabilitation costs.
• Hospitalization allowances, supplementary allowances at public hospitals and infant care costs for newborns.
• Maternity benefits including normal delivery, cesarean section and maternity complications.

2. List of supplementary benefits (Group V)

Businesses can flexibly add supplementary benefits to complete the care package for employees:

• Outpatient treatment due to illness: Support for consultation fees, prescription medication, tests, diagnostic endoscopy, physiotherapy, regular prenatal check-ups and basic dental treatment.
• Comprehensive dental care: Support for regular scaling, surgical extraction of diseased teeth, root removal and apicoectomy (does not cover cosmetic dentures or orthodontics).
• Loss-of-income allowance / Salary allowance: Support for costs during days off for inpatient or outpatient treatment due to accident, or hospitalization due to illness as medically advised.

To learn more about the actual implementation of the program by group scale, businesses can explore the Bao Viet Care corporate health insurance solution.

📑 Structure of the enterprise health insurance contract set

The complete contract set is tightly designed to ensure legality and transparency between the business and the insurer. According to Article 11 of the contract, the dossier includes:

1. The main insurance contract defining the responsibilities of both parties.
2. Appendix I: Scope of insurance and specific benefit limits.
3. Appendix II: List of conditions and clauses (waiting time, claims procedures, guarantee).
4. Appendix III: Extended clauses (if additional agreement).
5. Appendix IV: Detailed insurance premium calculation table.
6. Appendix V: List of insured persons (employees and accompanying dependents).
7. Amendments and supplements arising during the contract period.
8. The Health Insurance Rules for Corporate Clients issued by Bao Viet Insurance Corporation under Decision No. 6028/QĐ-BHBV dated 27/06/2025.

If any discrepancies arise between documents, the order of priority is: the most recently signed amendments and supplements, then the insurance contract together with its appendices, and finally the insurance rules.

📋 Contract checklist before approval

Before signing or disseminating information to staff, the HR department should carefully review the following:

• ☐ Cross-check the participant list in Appendix V for complete personal information and eligible dependents.
• ☐ Confirm the liability limits for each benefit group (life, accident, inpatient, outpatient).
• ☐ Review waiting period regulations for pre-existing conditions and maternity according to company staff size.
• ☐ Understand the network of medical facilities accepting direct billing and the rules for collecting invoices and documents.

When a medical event occurs, employees should proactively keep all invoices, prescriptions and medical records. Businesses can guide employees to refer to the health insurance claims checklist so the benefit settlement process goes smoothly.

Building a transparent, needs-based health insurance policy not only protects employees’ finances but also creates a solid foundation for the long-term development of the business. If you need support reviewing contract terms or advice on a benefit package suited to your company’s scale, contact paa.vn right away for dedicated and fast assistance.