Geographical Scopes and OFAC-Sanctioned Country Exclusions in InterCare
When choosing high-end health insurance, understanding the territorial coverage scope of Bao Viet InterCare is a key factor for families and individuals to feel confident when traveling, working, or studying abroad. InterCare is designed with 5 insurance programs corresponding to 5 flexible coverage zones, expanding from domestic to global, while maintaining strict exclusions for sanctioned countries.
In this article
🌍 Map of 5 Global Coverage Zones
The international coverage scope of InterCare is divided into 5 zones corresponding to 5 insurance programs (Select, Essential, Classic, Gold, Diamond). The higher the program level, the wider the global coverage extends:
| Program | Coverage Territory Zone |
|---|---|
| Select | Zone 1: Vietnam |
| Essential | Zone 2: Southeast Asia |
| Classic | Zone 3: Asia |
| Gold | Zone 4: Worldwide, excluding the US & Canada |
| Diamond | Zone 5: Worldwide |
Choosing the program that matches your travel frequency and destinations will help optimize insurance costs while ensuring medical safety abroad. If you frequently travel abroad for business or leisure, you should refer to the 5 Bao Viet InterCare Plans to choose the appropriate protection level.
🚫 List of Fully Excluded OFAC-Sanctioned Countries
Regardless of which program you join (including Diamond with worldwide coverage), the insurance company will not accept and will not pay insurance benefits for any risks occurring on the territory of sanctioned countries. This is a mandatory general exclusion under the insurance rules, independent of the contract level.
The list of sanctioned countries and territories includes:
- Afghanistan
- Cuba
- Democratic Republic of Congo (CHDC Congo)
- Iran
- Iraq
- Syria
- Belarus
- Nicaragua
- North Korea (Bắc Hàn)
- Lebanon
- Liberia
- Libya
- Somalia
- Sudan
- South Sudan (Nam Sudan)
- Venezuela
- Crimea (vùng Crimea)
- Zimbabwe
Important note: If you or your relatives plan to travel to any country on the above list, please consider carefully, as the insurance will not cover any medical expenses incurred there, whether in emergency cases or inpatient treatment.
🛡️ Pre-Departure Protection Checklist
To ensure maximum safety during international travel, you should carefully review the items below before departing:
- ☐ Confirm whether your destination is within the insured zones (Zone 1 to Zone 5) according to your registered plan.
- ☐ Carefully check if your destination is on the list of sanctioned countries above to avoid medical emergencies without protection.
- ☐ Read the eligibility conditions and 180-day residency rule of InterCare, especially regarding foreigners or Vietnamese citizens traveling abroad.
- ☐ If using the international hospital cost guarantee service (Platinum card), please call Europ Assistance T2 at +84 (0) 28 3535 9515 or the hotline 1800 1118 for 24/7 emergency assistance.
- ☐ Understand how to use the InterCare insurance card (Green, Gold, Platinum) to get direct hospital payment coverage.
💡 Conclusion and Key Takeaways
Global health protection is not just a choice, but a commitment to protecting yourself and your loved ones on every journey. Always check the territorial coverage scope of Bao Viet InterCare before each trip to prepare best. If you need further advice, please contact us immediately to consult on the most comprehensive protection plan for your family.
