Whether or not to buy Bao Viet healthcare insurance Intercare?

Date: 12/12/2019

Why should we buy Bao Viet Intercare healthcare insurance?

Bao Viet Health Insurance Intercare is a premium health insurance package provided by the leading insurance company in Vietnam – Bao Viet Insurance Company in addition to other regular health insurance packages. This article, paa.vn will help you analyze whether to buy Bao Viet Intercare health insurance or not?

Basic information about Bao Viet Intercare healthcare insurance

Subjects of healthcare insurance Bao Viet Intercare

• Individual: Applies to all Vietnamese citizens; foreigners living and working in Vietnam, including foreign students staying in Vietnam for 180 days.
• Age range: from 15 days of age to 69 years, renewable up to 75 years of age for cases of continuous renewal through years.
• Note: Children under the age of 18 must join Dad / Mom or both Dad and Mom (the kids package is no higher than the Dad / Mom insurance package).

Coverage of Bao Viet Intercare healthcare insurance

Depending on the package selected by the customer, there are different insurance benefits
• Area 1: Vietnam
• Area 2: Southeast Asia
• Area 3: Asia
• Area 4: Worldwide ( excluding US and Canada)
• Area 5: Worldwide

Waiting time for Bao Viet Intercare Healthcare Insurance

• No waiting time applies to customers who renew over the years and in case of an accident.
• Waiting time for common illness: 30 days
• For special and pre-existing conditions, the waiting period to apply is: 1 year

– Special diseases requiring waiting time, including:

+ All types of cancer
+ Parkinson’s disease
+ Diabetes
+ Growth hormone deficiency disease
+ Heart disease, hepatitis (A, B, C), pancreas, kidney, lung failure
+ Diseases related to hematopoietic system including myelosuppression, acute leukemia, leukemia, chronic.

– Existing conditions subject to the waiting period, including:

+ Being a disease or injury that existed before the date of starting to be insured under the Bao Viet Intercare Health Insurance Contract and is the disease / injury that the insured
+ Had treatment within the last 3 years or
+ Symptoms of illness / injury that occurred or happened before the contract date that the Insured Person knew or was aware of whether or not the Insured person actually examined or treated.
+ Pre-existing illnesses / injuries including but not limited to diseases such as tonsillitis that requires surgery, VA inflammation that needs scraping, septal scars requiring surgery, vestibular disorders, asthma, spondylitis , middle ear infections require ventilator surgery, hemorrhoids require surgery, herniated disc, osteoarthritis, ligament surgery.

CORE PLAN

IN-PATIENT TREATMENT DUE TO ILLNESS / DISEASE /ACCIDENT (IP)

Unit: VND

IP Select Essential Classic Gold Diamond
Area of coverage Area 1 Area 2 Area 3 Area 4 Area 5
 

Maximum Annual Aggregate Limit

 

1.050.000.000 2.100.000.000 4.200.000.000 5.250.000.000 10.500.000.000
1.   Room and Board/day 4.200.000 /day 6.300.000 /day 10.500.000/day 16.800.000 /day 21.000.000 /day
2.   Intensive care unit (max 30 days/ disease) Full cover Full cover Full cover Full cover Full cover
3.   Companion Accomodation /person/day (max 10 days/year) 1.260.000/ day 1.890.000/ day 3.150.000/ day 5.040.000/d ay 6.300.000/day
4.   Hospital Miscellaneous Expenses (charges incurred for medical supplies and services during a in-patient and/or day-patient treatment)

MRI, PET, CT scans X-rays, pathology, diagnostic tests

Full cover Full cover Full cover Full cover Full cover
5.   Pre-hospitalization treatments within 30 days prior to the hospital admission 21.000.000 42.000.000 63.000.000 84.000.000 105.000.000
6.   Post hospitalization immediately following hospital discharge but not exceeding 90 days from the hospital discharge 21.000.000 42.000.000 63.000.000 84.000.000 105.000.000
7.   Home nursing (as prescribed by Doctor) – Maximum limit  per year 21.000.000 42.000.000 63.000.000 84.000.000 105.000.000
8.   Expenses for Surgeons, consultants, operating theatre  anesthetists, medical practitioners Full cover Full cover Full cover Full cover Full cover
9.   Organ Transplantation of Heart, Lung, Liver, Pancreas, Kidney, Bone, Marrow.
Limit per lifetime
630.000.000 840.000.000 1.260.000.000 1.680.000.000 2.100.000.000
10.  In-hospital Specialist Consultation (max. one visit /day and 90 days/year) 4.200.000 /day Full cover Full cover Full cover Full cover
11.  Emergency Accidental Pregnancy treatment immediately after an accident per policy (exl .embryotrophic) Full cover Full cover Full cover Full cover Full cover
12.  Emergency Accidental Dental Inpatient Treatment (treatment received within 24 hours at the emergency room of a hospital immediately following an accident) per policy period 21.000.000 Full cover Full cover Full cover Full cover
13.  Expenses for transportation in emergency case 21.000.000 42.000.000 63.000.000 84.000.000 105.000.000
14.  Emergency Medical Evacuation & Repatriation (including by air) Full cover Full cover Full cover Full cover Full cover
15.  Emergency Ward Treatment Full cover Full cover Full cover Full cover Full cover
16.  Acute mental disorde

(in-patient only)

N/A 21.000.000 /year

105.000.000 /lifetime

63.000.000 /year

210.000.000 /lifetime

63.000.000 /year

210.000.000 /lifetime

78.750.000 /year

262.500.000 /lifetime

17.  Family visit N/A N/A N/A 01 Round-trip economy ticket 01 Round-trip economy ticket
18.  Daily Allowance per night (Up to 20 nights/year) 105.000 210.000 315.000 420.000 525.000
19.  Daily Allowance per night in public hospitals

(Up to 20 nights/year)

210.000

 

420.000

 

630.000

 

840.000

 

1.050.000

 

20.  Sub-limit applied for special diseases/ critical illnesses /lifetime

(exclusively applied for individuals and families including in-patient, out-patient, emergency transportation and term life)

210.000.000 420.000.000 840.000.000 1.050.000.000 2.100.000.000
21.   AIDS/ HIV

Cover for treatment occurring during the Insured Period, including the subsequent renewal year(s), provided that it manifests itself after the policy has been continuously in effect for a period of five (5) years since the Entry date.

105.000.000/ lifetime 210.000.000/ lifetime 420.000.000/ lifetime 525.000.000/ lifetime 1.050.000.000/ lifetime

 

OPTIONAL PLANS

1.  OUT-PATIENT TREATMENT DUE TO ILLNESS/DISEASE/ACCIDENT (OP) – Optional

Unit: VND

OP Select Essential Classic Gold Diamond
Maximum Aggregate Limit for the whole insurance period 31.500.000 63.000.000 84.000.000 105.000.000 168.000.000
Area of coverage Area 1 Area 2 Area 3 Area 4 Area 5
·         General Practitioners and Specialist fees.

·         Prescribed medicines.

·         Laboratory test, diagnostic and treatment prescribed by a physician.

·         Medical aids which are necessary as part of treatment for broken limbs or injuries (e.g. plaster casts, bandages) and mobility aids prescribed by a physician.

·         Physiotherapy, radiotherapy, heat therapy or phototherapy prescribed by a physician.

3.200.000   /visit 5.000.000   /visit 6.700.000   /visit 7.300.000   /visit 11.800.000 /visit
·   Health check-up/ Vaccination per year N/A N/A N/A 2.000.000 3.000.000

  2. MATERNITY CARE (MA) – Optional

     (Applicable only to the Insured Person who is female from 18 to 45 years old)

Unit: VND

MA Select Essential Classic Gold Diamond
 

Maximum Aggregate Limit for the whole insurance period

21.000.000 31.500.000 63.000.000 84.000.000 105.000.000
Area of coverage Area 1 Area 2 Area 3 Area 4 Area 5
Benefit:

a) Complications of pregnancy and childbirth

BAOVIET shall pay for medical expenses arising from complications during the period of pregnancy and childbirth which need obstetric procedures, the mother’s immediate pre and post-natal expenses in a hospital. Coverage is provided for caesarean sections required on medical grounds and does not include voluntary caesarean sections (or medically required due to a previous elective caesarean section). Complication of pregnancy and childbirth including but not limited to the followings:

Ø  Miscarriage or when the fetus has died and remains with the placenta in the womb;

Ø  Stillbirth abnormal cell growth in the womb;

Ø  Ectopic pregnancy;

Ø  Post-partum haemorrhage;

Ø  Retained placental membrane;

Ø  Therapeutic abortion including abortion cases due to hereditary diseases/congenital malformation of the fetus or to save the mother’s life;

Ø  Preterm labor

Ø  Difficult delivery

Ø  Complications following any of the above conditions.

b) Normal Delivery/ Childbirth

BAOVIET will pay for medical costs arising from normal delivery/ childbirth, including but not limited to the hospital charges, specialist fee, the mother’s immediate pre and postnatal care in hospital, postnatal suture.

Waiting period:

In case of Childbirth:

For individual policy: This benefit shall only be paid after 635 days from the Effective Date of the Policy.

For group policy: This benefit shall be paid after 365 days from the Effective Date of the Policy.

In case of Complications: This benefit shall be paid after 90 days from the Effective Date of the Policy.

3. DENTAL CARE (DC) – Optional

Unit: VND

DC Select Essential Classic Gold Diamond
Maximum Aggregate Limit for the whole insurance period 21.000.000 21.000.000 31.500.000 31.500.000 31.500.000
Area of coverage Area 1 Area 2 Area 3 Area 4 Area 5
Benefit:

1. Routine Dental Care

Ø  Check-up and diagnosis

Ø  Tooth cleaning

 

Routine

dental care (including

tooth

cleaning):

1.000.000/

year

 

 

Routine

dental care (including tooth cleaning):

1.000.000/ year

 

Routine

dental care (including tooth cleaning):

2.000.000/ year

 

Routine

dental care (including tooth cleaning):

2.000.000/ year

 

 

Routine

dental care (including tooth cleaning):

2.000.000/ year

2. Dental Treatment

Ø  Check-up and diagnosis

Ø  Normal filling (amalgam or composite)

Ø  Removal of decayed teeth.

Ø  Removal of impacted, buried or un-erupted teeth

Ø  Removal of roots

Ø  Removal of solid adontomes

Ø  Apicetomy

Ø  Root canal treatment

Ø  Gingivitis, pyorrhoea.

Up to Maximum limit Up to Maximum limit Up to Maximum limit Up to Maximum limit Up to Maximum limit
3. Special treatments, Dentures

New or repair of bridge work, porcelain crowns, dentures

Co-insurance 50% Co-insurance 50% Co-insurance 50% Co-insurance 50% Co-insurance 50%

4. PERSONAL ACCIDENT (PA)

Unit: VND

PA Select Essential Classic Gold Diamond
Maximum Aggregate Limit for the whole insurance period 2.200.000.000 4.400.000.000 6.600.000.000 8.800.000.000 11.000.000.000
Area of coverage Area 1 Area 2 Area 3 Area 4 Area 5
Benefit:

Cover for Death, Permanent Total & Partial Disablement due to Accident

5. TERM LIFE (TL)

Unit: VND

TL Select Essential Classic Gold Diamond
Maximum Aggregate Limit for the whole insurance period 1.100.000.000 2.200.000.000 4.400.000.000 5.500.000.000 6.600.000.000
Area of coverage Area 1 Area 2 Area 3 Area 4 Area 5
Benefit:

Cover for Death, Permanent Total Disablement due to any cause other than accidents

Waiting period:  Normal illness: 90 days from the Effective Date of this benefit.

Special diseases/Pre-existing diseases/diseases detailed in No.2 of the general exclusion of  this Wording: 365 days from the Effective Date of this benefit

 6. OVERSEAS STUDENT PROTECTION

Unit: VND

Education Assistance Select Essential Classic Gold Diamond
Area of coverage Area 1 Area 2 Area 3 Area 4 Area 5
Study Interruptions N/A 50.000.000 70.000.000 100.000.000 150.000.000
Sponsor protection
Terrorism insurance

Outstanding points of Intercare Bao Viet Health Insurance

• No medical examination is required before buy Bao Viet Intercare health insurance
• Diverse coverage: Vietnam, Southeast Asia, Asia, Worldwide except USA & Canada, Worldwide.
• Hospital guaranty for both inpatient and outpatient
• Comprehensive insurance benefits, tailored to each need: in addition to compulsory inpatient treatment, there are optional additional benefits: sick / accident outpatient insurance, fish accident insurance benefit life insurance, life insurance, dental insurance, maternity insurance, student support insurance, ….
• Insurance benefit limit up to VND 10 billion
• Get medical examination and treatment at the most prestigious hospitals in the world
• Integrating emergency medical transportation benefits and repatriation costs
• 100% of the insurance limit is paid and no co-payment for children under 3 years of age as other health insurance packages. For example, Bao Viet An Gia insurance covers 70% for children under 3 years old.

Who should buy Bao Viet Intercare health insurance?

• Foreigners living, studying and working in Vietnam cannot ignore this insurance package. Because of the unstable nature of residence. You should choose the insurance package so that when you return to your home country or work in a country other than Vietnam to still enjoy the insurance benefits.
• People who are often on business trips and traveling abroad, international students, visiting relatives, attending seminars, etc. are the ones who should consider buying Bao Viet Intercare health insurance because of the nature of the coverage Global.

who should care for healthcare insurance

• People are likely to suffer from intractable diseases. Need advanced, modern medicine to treat, the Bao Viet Intercare health insurance package is also a preeminent choice for the maximum cost reduction in developed countries.
• For those who want to have children abroad, intercare is the perfect choice.

Why buy Bao Viet Intercare health insurance at PAA.VN

• Acting as an agent for comparing insurance packages transparently, offering various types of insurance from different companies.
• Support for quick settlement of insurance indemnities.
• Enthusiastic staff, answer questions 24/7 via hotline: 086.919.6899.
• The website is full of bilingual information, even though you are a foreigner, you can still fully grasp the information provided by PAA.VN: Please click here.
• Hopefully the article has provided information about the Bao Viet healthcare insurance Intercare package useful for you.

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