Inpatient Benefits in Bao Viet InterCare: Room, Surgery, and ICU Coverage
When medical treatment at a hospital is needed, the biggest worry for patients and their families lies not only in hospital fees but also in the quality of care. Understanding this, the Bao Viet InterCare inpatient benefits are designed as a solid financial backing, supporting hospitalization costs from high-quality domestic hospitals to international standard medical centers.
The inpatient contract is a mandatory main insurance benefit, protecting participants against the risks of illness, disease, or accidents. To help you easily weigh the options, let’s look at the details of room fees, intensive care, and surgery costs.
In this article
🌱 Room and Bed Limits Across the 5 Programs
Quiet, comfortable recovery spaces play a vital role in restoring health. Depending on the program chosen within the Bao Viet InterCare healthcare insurance suite, daily room and bed limits are clearly defined and transparent.
Here are the details of the daily coverage for hospitalization and accompanying bed allowances for family members:
| Program | Annual Sum Insured (VND) | Room & Bed / Day (VND) | Relative’s Bed (Max 10 days/year, VND/day) |
|---|---|---|---|
| Select | 1,050,000,000 | 4,200,000 | 1,260,000 |
| Essential | 2,100,000,000 | 6,300,000 | 1,890,000 |
| Classic | 4,200,000,000 | 10,500,000 | 3,150,000 |
| Gold | 5,250,000,000 | 16,800,000 | 5,040,000 |
| Diamond | 10,500,000,000 | 21,000,000 | 6,300,000 |
Each program corresponds to a different coverage territory, ranging from Vietnam to worldwide, as outlined in the 5 Bao Viet InterCare plans. Daily room limits ranging from 4,200,000 VND to 21,000,000 VND allow patients to choose standard single rooms or premium care rooms at private and international medical facilities.
If the insured patient uses a room with two or more beds, the insurance company will only reimburse the actual cost for one bed dedicated to the patient, according to the schedule.
🏥 Intensive Care Unit (ICU/CCU) Benefits
Severe and critical cases requiring emergency intensive care demand specialized equipment and continuous monitoring by medical staff. ICU/CCU costs represent a massive financial burden for any family.
Within the Bao Viet InterCare inpatient benefits, this category is designed with optimal protection:
- Payment Limit: Up to the Sum Insured (STBH) of the selected program, covering all packages from Select to Diamond.
- Payment Duration: Maximum of 30 days per illness.
This annual limit ensures patients and their families can access specialized medical treatments without being restricted by low daily supplementary fees.
🔪 Surgery Costs Under Bao Viet InterCare Inpatient Benefits
Surgical interventions, ranging from minor procedures to complex major surgeries, require operating room services, anesthesia, and highly specialized medical teams. As previously analyzed in the comparison between Bao Viet An Gia and Intercare health insurance, the surgery limits of InterCare are significantly superior.
Specifically, for all five programs (Select, Essential, Classic, Gold, Diamond), covered surgical costs are reimbursed as follows:
- Reimbursement Level: Up to the Sum Insured of the registered program (equivalent to 1.05 billion to 10.5 billion VND per year).
- Coverage Scope: Direct medical costs and services arising from the surgery as prescribed by the treating doctor, excluding contract exclusions.
This open-ended regulation ensures essential medical interventions are not interrupted or reduced due to hitting individual surgery fee caps.
📋 Inpatient Checklist: Key Steps Before and During Hospitalization
To ensure a smooth claims process for hospitalization expenses, customers and their families should check the following steps before and during discharge:
- ☐ Verify the type of hospitalization card you possess (Green, Yellow, or Platinum) to understand the direct billing option at the hospital.
- ☐ Choose an inpatient room class that matches the daily room/bed limit of your program to avoid unexpected out-of-pocket expenses.
- ☐ Request a financial invoice and a detailed hospitalization bill clearly showing bed fees, medicine costs, consumables, and surgery fees.
- ☐ Collect all required documents, including the Discharge Paper, Surgery Certificate, or medical record excerpts.
- ☐ Note that for hospitals that do not record hours on medical records, the number of hospital days will be calculated as the discharge date minus the admission date; for hospitals with recorded hours, it is based on 24-hour overnight periods.
- ☐ Contact your advisor or the hotline immediately for timely guidance if you are treated abroad or at a non-participating facility.
Each medical condition and medical facility may have specific waiting periods or separate terms. Customers should carefully read the insurance policy or contact the advisor at paa.vn via phone number 0347674755 for the most accurate benefit verification.
