Personal Accident and Term Life Add-On Covers in Bao Viet InterCare
Living in a rapidly changing world, no one can predict the unexpected risks that may lie ahead. To ensure your family always has a strong financial shield, equipping Bao Viet InterCare personal accident and life insurance is one of the smartest decisions you can make. These two benefits are not just about peace of mind; they represent a strong financial commitment to protect you and your loved ones from the negative consequences of death and permanent disability.
In this article
🛡️ Personal Accident Insurance Benefits: Comprehensive protection against unexpected risks
Personal accident insurance within the InterCare package focuses on risks arising from unexpected events, such as traffic accidents, falls, or other physical injuries. This benefit commits to protecting your finances in the event of death or permanent disability due to an accident.
One of the outstanding features of InterCare personal accident insurance is the timeframe for benefit payout. Specifically, if the insured suffers an accident leading to death or permanent total disability within 104 weeks from the date of the accident, the insurance will pay the corresponding benefits. The individual coverage limit is highly flexible, ranging from 2.2 billion VND (Vietnamese Dong) (Select package) up to 11 billion VND (Vietnamese Dong) (Diamond package) across the 5 Bao Viet InterCare plans, meeting diverse financial protection needs for individuals and families.
❤️ Life Insurance: A commitment to life and health safety
Unlike personal accident insurance, which focuses on external causes, life insurance focuses on protecting against risks related to death or permanent total disability due to illness (not caused by an accident). This is an important layer of protection to help your family overcome the financial burden in case the breadwinner unfortunately faces serious health issues.
With a coverage limit of up to 6.6 billion VND (Vietnamese Dong) for individuals (depending on the package from Select to Diamond), InterCare life insurance provides significant legal and financial peace of mind. This benefit is designed to cover incidental costs and ensure long-term safety for your loved ones in the event of an unfortunate event. To learn more about the lifetime limits applicable to individual contracts, you can refer in detail to lifetime limits for serious conditions in individual InterCare contracts.
🤝 Transparent, accessible premium rates
One of the reasons customers choose InterCare products is the extremely transparent premium rates, calculated as a percentage of the sum insured, making it easy for you to estimate costs:
| Program | Personal accident insurance premium rate | Life insurance premium rate |
|---|---|---|
| Select | 0.100% | 0.250% |
| Essential | 0.110% | 0.263% |
| Classic | 0.115% | 0.276% |
| Gold | 0.120% | 0.289% |
| Diamond | 0.125% | 0.304% |
With annual premiums starting from just around 0.1% – 0.3%, you can already own a financial protection layer worth billions of VND. This is one of the most effective financial solutions, as instead of suddenly saving a large sum of money, you only need a small annual cost to transfer the risk to the insurer. You can refer specifically to the Bao Viet InterCare premium schedule by age to get a more detailed view of the premiums corresponding to each age and program.
🤝 Combining both benefits for a perfect financial shield
Personal accident insurance and life insurance do not exclude each other but complement each other to form a comprehensive protection layer. While accident insurance protects you from external environmental hazards, life insurance protects you from internal health hazards. Combined with other protection programs such as outpatient, dental, and maternity benefits in the InterCare packages, you and your family will be fully protected against all risks.
Peace of mind does not come from avoiding all risks, but from knowing that when a risk occurs, your family still has solid financial protection. Let Bao Viet InterCare personal accident and life insurance be your trusted companion on every journey of life.
For further advice on protection programs suitable for your family’s needs and financial situation, please contact us immediately for detailed consultation.
