What Is Bao Viet Tam Binh? Who Can Join and What Does It Cover?
Many families want to buy health insurance but are unsure who the product is for, what it includes and how long it lasts. This article gives an overview of Bao Viet Tam Binh – a yearly health insurance plan designed for small groups, from a single individual to organizations with under 3 employees.
In this article
🛡️ What Is Bao Viet Tam Binh?
Bao Viet Tam Binh is a health insurance product offered by Bao Viet Insurance Corporation, available to individuals, family households and organizations with under 3 employees. Under the insurance application form and policy of the product, the coverage term is 12 months, counted from the start date to the end date stated in the policy (both dates included).
One clear feature of Tam Binh is its straightforward structure: one mandatory main benefit covering inpatient treatment, plus optional additional benefits that members can choose based on their needs. If you are new to the concept of health insurance, you can read more about what insurance is and its role in a family financial plan to understand the bigger picture.
👥 Who Can Join Bao Viet Tam Binh?
The eligible groups listed in the product documentation fall into three categories:
- Individuals: Vietnamese or foreign nationals buying insurance for themselves. The insured list in a policy can include a maximum of 5 people, which suits a policyholder covering several close family members.
- Family households: family members joining under one policy and the same main insurance program.
- Organizations with under 3 employees: small units looking after health benefits for owners and staff.
For foreigners living and working in Vietnam, the insurance application form accepts identification by citizen ID card (CCCD), passport or tax code – suitable for those who do not yet hold a Vietnamese CCCD. You may also want to read about health insurance packages for foreigners in Vietnam for general guidance.
📋 What Does Tam Binh Include?
The product structure has two groups – main and additional benefits – as described in the application form and policy:
Main benefit
The main benefit is hospitalization and inpatient surgery due to illness, accident or maternity. This part is mandatory, and members choose one of five programs: Basic (Co ban), Extended (Mo rong), Advanced (Nang cao), Comprehensive (Toan dien) and Superior (Uu viet). The sum insured per person per year for the main benefit is 60,000,000, 100,000,000, 160,000,000, 220,000,000 and 330,000,000 VND respectively, according to the benefit table attached to the policy.
| Program | Sum insured (VND/person/year) |
|---|---|
| Basic (Co ban) | 60,000,000 |
| Extended (Mo rong) | 100,000,000 |
| Advanced (Nang cao) | 160,000,000 |
| Comprehensive (Toan dien) | 220,000,000 |
| Superior (Uu viet) | 330,000,000 |
Additional benefits (optional)
- Personal accident or Life & personal accident: note that you may choose only one of these two benefits, not both at the same time.
- Outpatient treatment: an additional benefit at the same program tier as the main benefit, helping with outpatient consultation and treatment costs within the stated limits.
In the policy, each insured person is marked as new or renewal, along with the additional programs selected (outpatient, personal accident, life & personal accident).
🔖 Hospital Guarantee Card and Coverage Scope
For cases where a hospital fee guarantee card (the bao lanh vien phi, used for direct billing of hospital fees) is issued, the policy records two options:
- Card format: physical card or e-card.
- Hospital fee guarantee scope: public hospitals or the entire hospital system, depending on the agreement in the policy.
These are details to check carefully when you receive the policy, because they directly affect the experience of using benefits during hospitalization.
✅ Quick Checklist Before Joining
- Confirm you belong to an eligible group: individual, family household or organization with under 3 employees.
- Choose the right main program (Basic, Extended, Advanced, Comprehensive, Superior) based on budget and needs.
- Choose one of the two additional benefits: personal accident or life & personal accident.
- Consider adding outpatient treatment coverage if you want to broaden costs for clinic visits.
- Prepare identification details: CCCD, passport or tax code for each insured person.
- Remember the 12-month policy term and declare your health status truthfully and fully.
Viewing health insurance as part of a family money-management plan helps you pick the right premium level; the personal finance checklist is a useful reference if you want to keep overall spending under control.
💬 Important Notes
This article only introduces the general structure of Bao Viet Tam Binh based on the insurance application form and policy. Detailed content on benefits, payout limits, waiting periods, exclusions and eligibility conditions is governed by the insurance rules, benefit table and any amendments attached to the policy. You should read the product documentation carefully, ask the advisor to explain clearly, or contact the insurer directly before signing the application form.
If you want to compare Tam Binh with other product lines, you can learn more about the difference between non-life insurance and life insurance to guide a better fit for your family.
