Dental and maternity add-ons in Bao Viet An Gia
When planning healthcare for the whole family, dental care and maternity are two needs that tend to arise most often. If you are researching Bao Viet An Gia dental and maternity insurance, you should understand the premium, limit, entry age and waiting period of each benefit before deciding. This article compiles information from the benefit schedule and premium table so you can compare more easily.
In this article
🦷 Comparing premiums and limits for Bao Viet An Gia dental and maternity
Dental insurance is an add-on benefit, selected alongside the main program, for people aged 1 to 65. Premiums and limits by program are as follows:
| Program | Limit/year (VND) | Cap/visit (VND) | Premium/year (VND) |
|---|---|---|---|
| Bronze (Đồng) | 2,000,000 | 1,000,000 | 545,000 |
| Silver (Bạc) | 2,000,000 | 1,000,000 | 545,000 |
| Gold (Vàng) | 5,000,000 | 2,500,000 | 1,350,000 |
| Platinum (Bạch kim) | 10,000,000 | 5,000,000 | 2,300,000 |
| Diamond (Kim cương) | 15,000,000 | 7,500,000 | 3,450,000 |
One point worth noting: Bronze and Silver share the same dental limits, while from Gold upward the limits rise step by step. If your family needs regular dental check-ups, choosing a higher program expands both the annual limit and the per-visit cap.
Under a supplementary adjustment, the rules on limits for dental treatment facilities in Binh Duong province and Ba Ria – Vung Tau province (provincial-level administrative units before 01/07/2025) are applied the same as for other provinces and cities outside Hanoi and Ho Chi Minh City. So if you live or receive dental treatment in these areas, ask for the list of accepted medical facilities before your visit.
To understand the overall benefit structure, you can refer to the benefits of Bao Viet An Gia and the premium table by age and program.
🤰 Maternity benefits: available only from Silver and above
Maternity insurance applies to people aged 18 to 45 and is not available in the Bronze program. Limits and premiums in detail:
| Program | Limit/year (VND) | Premium/year (VND) |
|---|---|---|
| Bronze (Đồng) | Not included | Not included |
| Silver (Bạc) | 21,000,000 | 5,520,000 |
| Gold (Vàng) | 21,000,000 | 5,520,000 |
| Platinum (Bạch kim) | 21,000,000 | 5,520,000 |
| Diamond (Kim cương) | 31,500,000 | 6,325,000 |
Silver, Gold and Platinum share the same maternity limit; they differ only in the overall package premium. Diamond alone has a significantly higher limit, suited to families wanting broader protection for childbirth costs and related risks.
⏳ Waiting periods to remember for maternity and dental treatment
Waiting periods are something many policyholders overlook, especially when buying insurance while preparing for a baby. Under the sample policy:
- For the Maternity insurance add-on: 90 days for maternity complications as defined, and 635 days for childbirth.
- Under the general rules on disease risk and maternity complications: 30 days for ordinary illness and dental treatment; 90 days for maternity complications.
- 365 days for pre-existing conditions, special diseases as defined, ligament/meniscus tear, rupture or reconstruction, and diseases listed under general exclusion point 46 of the insurance rules.
- 180 days for children up to 6 years old for bronchitis, bronchiolitis and pneumonia of all types.
For new participants, the waiting period is counted from the insurance effective date. For continuously renewed policies it is counted from the first effective date; where a renewal adds a new benefit or raises the limit, the waiting period applies to the higher difference portion, counted from the date of addition or the date of the limit increase. You should read carefully how waiting periods are applied so you can time your use of benefits.
📋 Checklist before choosing dental and maternity benefits
- ☐ Confirm entry ages: dental from 1 to 65, maternity from 18 to 45.
- ☐ Note that the Bronze program does not include maternity benefits.
- ☐ Check the 90-day and 635-day waiting periods for maternity before planning a baby.
- ☐ Compare dental premiums and limits in the current premium table for each program.
- ☐ Ask for the list of accepted dental facilities in your area.
- ☐ Read the exclusions and participation conditions in the insurance rules and policy before signing.
💳 Claim documents and notes on payment results
Bao Viet processes benefits on soft documents submitted through the BaoViet Direct app for claims that are not inheritance-related and are 10,000,000 VND or less. Required documents: the Claim Request Form and Accident Statement (if any) generated from the app, together with an e-invoice showing verification link details; medical documents are accepted as copies. Bao Viet still reserves the right to request hard copies or originals for checking and comparison in certain necessary cases. You can refer to the guide on submitting a claim to prepare fully.
It should be stressed that all information above is for reference based on product documents. Whether a benefit is paid depends on the policy terms, the medical condition, valid claim documents and applicable exclusions. Before signing, check the policy carefully or contact the insurer or advisor for answers specific to your family’s situation — especially when you are considering Bao Viet An Gia dental and maternity insurance for an expectant mother and young children.
