BVCare (New) Waiting Periods: When Do 30, 90, 270 and 365 Days Apply?

The waiting period is one of the key factors determining effective and immediate protection for employees in a corporate health insurance program. With Bao Viet’s new BVCare product, calculating the waiting periods of 30, 90, 270, or 365 days depends heavily on the size of the participating employee group, as well as whether the participants are official employees or accompanying dependents. Understanding these rules will help businesses proactively plan health protection for their entire team.

⏳ Waiting Period Rules for Groups of 50 Employees or Fewer

For businesses with 50 or fewer employees, the BVCare (New) insurance program applies relatively strict waiting periods to ensure fairness and manage overall risk. Specifically:

• For employees and dependents receiving inpatient/outpatient care:
  • 30 days for common illnesses and dental care.
  • 365 days for pre-existing conditions, special diseases, or those listed in the general exclusion No. 37 of the insurance regulations.
• For maternity benefits:
  • 90 days for maternity complication treatments.
  • 270 days for childbirth.
• For life insurance:
  • 30 days for common illnesses and dental care.
  • 365 days for pre-existing conditions, special diseases, maternity, and general exclusions.

⭐ Waiting Period Waivers for Groups of 51 Employees or More

When your business reaches a scale of 51 or more employees, the BVCare (New) program offers significant advantages by minimizing or eliminating waiting periods for employees and their dependents:

• For employees (51 or more) and dependents (101 or more):
  • 30-day waiting period waived for common illnesses and dental care.
  • 365-day waiting period waived for pre-existing conditions, special diseases, and general exclusions No. 37. This is highly beneficial as employees are covered from day one, even for pre-existing health conditions.
  • Maternity: Applies the equivalent of 90 days for maternity complications and 270 days for childbirth.
• For dependents (100 or fewer in a company with 51+ employees):
  • Standard waiting periods still apply: 30 days for common illnesses and 365 days for pre-existing or special diseases.

📝 Life Insurance and Maternity Waiting Periods in Detail

Protecting people comprehensively goes beyond just medical treatment coverage. The waiting periods for life insurance benefits and maternity benefits are always of interest to businesses to ensure maximum safety for staff.

• Life insurance: The framework remains at 30 days for common illnesses and dental care, and 365 days for underlying or special diseases. This helps businesses manage risk effectively while still protecting accidents and unexpected common risks.
• Maternity: The 90-day rule for complications and 270-day rule for childbirth are designed to protect women during their most sensitive period. Calculating these waiting periods helps businesses balance budgets while providing great peace of mind for female employees.

💡 Why Understanding Waiting Periods Is Key to Employee Peace of Mind

Choosing the right group size and clearly understanding the waiting periods allows a business to maximize employee benefits. Employees feel more secure knowing that pre-existing conditions can be covered quickly—or entirely waived—if the company is large enough.

It is important for businesses to carefully review the participant list, especially accompanying dependents, to accurately determine the applicable waiting periods. Honest and complete initial health declarations are extremely important to avoid future claim complications. You can refer to the detailed eligibility rules at Who Can Join BVCare (New)? Age, Health and Expat Eligibility Rules for a comprehensive view.

Combined with maximum benefits such as BVCare (New) Coverage Limits: Life, Accident, Inpatient, Outpatient and Dental, businesses can build a truly comprehensive and attractive protection policy for their staff.

While waiting periods are an essential part of corporate health insurance, the flexible approach of BVCare (New) is designed to maximize benefits for larger companies. Let Bao Viet help your business build a healthy, peaceful, and sustainable working environment!