Inpatient Coverage and Limits in Bao Viet An Gia

When exploring medical protection for yourself and your family, inpatient treatment is always the core benefit that draws the most attention. Understanding the inpatient coverage and limits in Bao Viet An Gia makes it easier to select the plan that fits your healthcare expectations and financial budget. Below is a comprehensive breakdown of each inpatient benefit category under current policy terms.

🏥 Overview of Bao Viet An Gia Inpatient Limits by Plan Tier

The primary coverage under Bao Viet An Gia covers inpatient treatment resulting from illnesses, accidents, or maternity complications within the territory of Vietnam. The product is structured into five flexible plans, each corresponding to an annual maximum liability limit.

Before exploring each cost item in detail, you can read our overview on What to Know About Bao Viet An Gia Health Insurance Benefits to understand how the broader policy works.

📋 Itemized Expense Sub-Limits in Bao Viet An Gia Inpatient Care

The total annual maximum limit is allocated across specific medical cost categories incurred during an inpatient stay. Each category has its own distinct cap depending on the plan you choose.

1. Hospital Room and Board (Maximum 60 Days / Year)

This category covers room charges, hospital bed fees, standard hospital meals, intensive care unit fees, emergency treatment, and general hospital service charges.

• Bronze: 2,000,000 VND/day, up to 40,000,000 VND/year.
• Silver: 3,000,000 VND/day, up to 60,000,000 VND/year.
• Gold: 5,000,000 VND/day, up to 100,000,000 VND/year.
• Platinum: 7,500,000 VND/day, up to 150,000,000 VND/year.
• Diamond: 10,000,000 VND/day, up to 200,000,000 VND/year.

Coverage adjustments: If the insured patient occupies a room with two or more beds, the insurer pays only for the single bed directly serving the insured. When treated in an intensive care unit (ICU, HDU, or CCU) of a public hospital, the daily room and board limit is calculated at 1.5 times the standard daily allowance.

2. Pre-Hospitalization Examination and Treatment

Covers consultations, laboratory tests, and examinations directly related to the inpatient admission incurred within 30 days prior to hospital admission:

• Bronze: 2,000,000 VND/year
• Silver: 3,000,000 VND/year
• Gold: 5,000,000 VND/year
• Platinum: 7,500,000 VND/year
• Diamond: 10,000,000 VND/year

3. Post-Hospitalization Follow-Up and Treatment

Applies to medical expenses incurred within 30 days after hospital discharge as prescribed by the attending physician. The payout limits match those of pre-hospitalization care (ranging from 2,000,000 VND to 10,000,000 VND/year depending on your plan tier).

4. Ground Ambulance and Emergency Road Transport

Assistance for emergency ground transport to the nearest suitable medical facility:

• Bronze and Silver: 5,000,000 VND/year.
• Gold, Platinum, and Diamond: 10,000,000 VND/year.

5. Surgical Expenses

Covers expenses directly associated with surgical procedures required to treat illnesses or accidents:

• Bronze: Up to 40,000,000 VND/year.
• Silver: Up to 60,000,000 VND/year.
• Gold: Up to 100,000,000 VND/year.
• Platinum: Up to 150,000,000 VND/year.
• Diamond: Up to 200,000,000 VND/year.

6. Rehabilitation

Supports rehabilitative therapy regimens following inpatient medical treatment:

• Bronze: 4,000,000 VND/year
• Silver: 6,000,000 VND/year
• Gold: 10,000,000 VND/year
• Platinum: 15,000,000 VND/year
• Diamond: 20,000,000 VND/year

7. Public Hospital Daily Allowance and Funeral Allowance

To ease incidental financial pressures when admitted to public hospitals in Vietnam, the policy includes daily cash allowances (capped at 60 days per year):

• Public hospital allowance: 80,000 VND/day (Bronze), 120,000 VND/day (Silver), 200,000 VND/day (Gold), 300,000 VND/day (Platinum), and 400,000 VND/day (Diamond).
• Funeral allowance: 1,000,000 VND per incident in the unfortunate event of death occurring in the hospital, applicable across all plan tiers.

Premiums differ according to your age bracket and the selected plan. You can verify the exact rates using the Bao Viet An Gia premiums by age schedule.

⚠️ Important Conditions and Waiting Periods

Claim payouts depend strictly on whether the medical event satisfies all policy conditions, presents valid claim documentation, and does not fall under policy exclusions.

Policyholders must keep the following waiting periods in mind:

• Accidents: No waiting period applies.
• Common illnesses: A 30-day waiting period from the policy effective date.
• Maternity complications: A 90-day waiting period.
• Pre-existing conditions and special diseases: A 365-day waiting period (covers conditions defined by policy terms, including torn, ruptured, or reconstructed ligaments and meniscus).
• Children up to 6 years old: A 180-day waiting period applies to bronchitis, bronchiolitis, and all forms of pneumonia.

Co-payment rule for young children: For children aged 15 days to 3 years, a 70/30 co-payment applies (Bao Viet covers 70%, while the insured pays 30%). This co-payment is waived if the child is treated at public medical facilities or public hospitals (excluding international departments, voluntary treatment, or on-demand requested care).

To understand the distinct paperwork requirements between clinic visits and hospital stays, refer to our comparison guide on outpatient vs. inpatient claim documentation.

📝 Document Checklist for Inpatient Reimbursement Claims

If you undergo an inpatient hospital stay, ensure you collect all required documents before discharge to facilitate a seamless reimbursement claim:

• ☐ Hospital discharge summary (giấy ra viện) or medical record extract indicating clear diagnosis and admission dates.
• ☐ Surgical report or operation notes (if surgical intervention was performed).
• ☐ Detailed breakdown of hospital charges (bảng kê chi tiết viện phí) along with clinical and laboratory orders.
• ☐ Valid financial invoice (VAT red invoice / hóa đơn GTGT) covering all examination, room/bed, and medication fees.
• ☐ Prescriptions and test results within 30 days prior to admission and after discharge.
• ☐ Completed Bao Viet claim form along with a copy of the insured person’s citizen identity card or passport.

If you have questions regarding specific inpatient limits under Bao Viet An Gia or would like to review the policy wording before applying, contact the hotline at 0347674755 or visit paa.vn for prompt and precise support.