Eligibility for Bao Viet InterCare: Age Limits, Health Criteria, and the 180-Day Rule

Before investing in a premium health insurance plan like Bao Viet InterCare, understanding the eligibility conditions is the most important step to ensure your and your family’s benefits are fully protected. Bao Viet InterCare eligibility includes age regulations, health status, and Vietnam residency rules. Here is the complete information to help you confidently check your suitability.

📋 Age Limits: From 15 Days Old to 75 Years Old

According to the official insurance contract regulations, Bao Viet InterCare participants are clearly classified based on age and enrollment status:

• Children: From 15 days old and have been discharged in good health after birth.
• New adult participants: From 15 days old to 69 years old.
• Renewing participants: Can continue maintaining insurance up to 75 years old, providing extended peace of mind for seniors.

Note: Newborns are only insured after 15 days from the date of birth or from the date of discharge, whichever occurs later. The insured must submit the insurance application for the child along with a certificate confirming the child is in good health, and must be approved by Bao Viet Insurance.

🧪 Mandatory Health Conditions

To ensure fairness and shared risk, Bao Viet InterCare has certain health criteria, especially for first-year participants:

1. No mental illnesses: This is mandatory for all participants.
2. No cancer: This condition applies only to first-year insured participants.
3. No permanent disability of 80% or more: Applies only to first-year participants.
4. Not currently undergoing special disease treatment: Applies only to first-time participants.

Additionally, dependents can only be insured under a program at or below the benefit level of the main insured and must be approved by Bao Viet Insurance.

🏠 Residency and International Rules: 180 Days in Vietnam

Bao Viet InterCare eligibility also specifies the target audience and residency location:

• Target audience: Vietnamese citizens or foreigners legally residing in Vietnam.
• 180-day rule: The insured cannot leave Vietnam continuously for more than 180 days.
• Exception: This rule does not apply to overseas students, providing flexibility for families with children studying abroad.

For foreigners working in Vietnam, understanding the difference between compulsory health insurance and private health insurance will help them choose the optimal protection solution. Details about the new eligibility criteria regarding age, health, and rules for foreigners are always a top concern.

👨‍👩‍👧 Conditions for Dependents (Family Members)

Bao Viet InterCare allows expanding the insured group for family members of employees (in case of group enrollment through the company) or of individual main members:

• Spouse, parents, in-laws: Under 66 years old (up to 75 if renewing).
• Legal children: From 15 days old to 18 years old, or up to 24 years old if currently studying long-term in Vietnam and unmarried.

Important rule: Dependents can only join insurance when the main member is on the list and can only participate in a program at or below the level of the main insured. You can refer to the process of registering family members such as spouse, children, and parents according to group size for more clarity.

✅ Checklist of Basic Conditions Before Joining

You should quickly check the following conditions before registering:

• ☐ Is your age within the range of 15 days to 69 (or 75 if renewing)?
• ☐ Are you suffering from any mental illnesses or cancer (first year of enrollment)?
• ☐ Do you have a permanent disability of 80% or more?
• ☐ Are you currently undergoing special disease treatment?
• ☐ Are you a Vietnamese citizen or a foreigner legally residing in Vietnam?
• ☐ Do you plan to travel abroad continuously for more than 180 days (except for overseas students)?

After checking these conditions and finding yourself suitable, the next step is to find insurance programs corresponding to your family’s needs. If you need advice on specific rules, you should contact official Bao Viet agents for the best support.