Bao Viet Corporate Health Insurance

Comprehensive Health Insurance for Businesses in Vietnam

Bao Viet BVCARE Corporate Health Insurance is a comprehensive healthcare solution designed for companies seeking to protect the health and well-being of their employees and their families.

Trusted by millions of Vietnamese customers, BVCARE provides extensive medical coverage, flexible benefit options, nationwide hospital access, and 24/7 cashless hospitalization services.

The product is issued under Decision No. 6028/QD-BHBV dated June 27, 2025 by Bao Viet Insurance Corporation.

Key Benefits

Flexible Coverage Options

Policy terms and benefit structures can be customized according to the company’s requirements and budget.

Wide Eligibility Range

Coverage is available for individuals from 15 days old up to 70 years old.

Comprehensive Protection

Coverage includes:

• Death due to illness or accident
• Permanent disability
• Inpatient treatment
• Outpatient treatment
• Maternity and childbirth benefits
• Maternity complications
• Dental treatment
• Income replacement allowance during treatment
• COVID-19 treatment (covered as a standard illness)

No Medical Examination Required

Employees can enroll without undergoing a pre-policy health check-up.

Nationwide Hospital Network

Access to an extensive network of modern hospitals and healthcare providers throughout Vietnam.

Cashless Hospitalization Service

24/7 direct billing services allow insured members to receive treatment without paying hospital expenses upfront at participating medical facilities.

Insurance Programs

BVCARE Corporate Health Insurance offers multiple benefit plans that can be tailored to suit different employee groups and corporate budgets.

The following sample plans are for reference purposes only.

Main Insurance Benefits

1. Life Insurance Coverage

Program 1

• Sum Insured: VND 100,000,000

Program 2

• Sum Insured: VND 100,000,000

Benefits include:

• Death from illness
• Total permanent disability due to illness

Benefit payable: 100% of the insured amount.

2. Accidental Death and Permanent Disability

Program 1

• Sum Insured: VND 50,000,000

Program 2

• Sum Insured: VND 100,000,000

Coverage includes:

• Accidental death
• Total permanent disability
• Partial permanent disability according to Bao Viet’s disability benefit schedule

3. Medical Expenses Due to Accidents

Program 1

• Up to VND 50,000,000 per person per year

Program 2

• Up to VND 100,000,000 per person per year

Covered expenses include:

• Inpatient treatment
• Outpatient treatment
• Medication
• Medical supplies
• Emergency transportation services

Benefits are paid based on actual and reasonable expenses incurred.

Inpatient Treatment Benefits

Annual Coverage Limits

Program 1

• Up to VND 120,000,000 per insured person per year

Program 2

• Up to VND 240,000,000 per insured person per year

Coverage includes:

• Hospital room and board
• Intensive Care Unit (ICU) expenses
• Medication during hospitalization
• Diagnostic imaging and laboratory tests
• Surgery and treatment procedures
• Childbirth and maternity complications
• Other medically necessary expenses

Surgical Benefits

Program 1

• Up to VND 40,000,000

Program 2

• Up to VND 80,000,000

Coverage includes:

• Surgeon fees
• Operating room charges
• Anesthesia costs
• Surgical supplies
• Post-operative care
• Organ transplant surgery expenses (excluding donor-related costs)

Pre-Hospitalization Benefits

Medical consultations and examinations conducted within 30 days before hospitalization are covered.

Program 1

• Up to VND 2,000,000 annually

Program 2

• Up to VND 4,000,000 annually

Post-Hospitalization Benefits

Follow-up consultations within 30 days after discharge.

Program 1

• Up to VND 2,000,000 annually

Program 2

• Up to VND 4,000,000 annually

Home Nursing Care

Coverage for medically necessary home nursing services following hospitalization.

Program 1

• Up to VND 2,000,000 annually

Program 2

• Up to VND 4,000,000 annually

Hospital Cash Allowance

Additional daily cash benefits during hospitalization.

Coverage varies depending on:

• Public hospitals
• Private hospitals
• International hospitals
• Treatment using Vietnam Social Health Insurance

Maternity Benefits

Childbirth Coverage

For groups with fewer than 50 employees:

Normal Delivery

• Up to VND 8,000,000 per insured person per year

Caesarean Section

• Up to VND 15,000,000 per insured person per year

Maternity Complications

Covered according to actual medical expenses incurred within policy limits.

Optional Additional Benefits

Outpatient Treatment

Program 1

• Annual limit: VND 5,000,000

Program 2

• Annual limit: VND 20,000,000

Coverage includes:

• Doctor consultations
• Prescription medication
• Diagnostic tests
• Imaging services
• Day surgery procedures
• Outpatient treatment for illnesses and maternity complications

Physical Therapy and Rehabilitation

Coverage includes:

• Physiotherapy
• Radiation therapy
• Heat therapy
• Acupuncture-related treatments
• Other medically necessary rehabilitation services

Dental Care Benefits

Coverage includes:

• Dental examinations
• X-rays
• Gum disease treatment
• Fillings
• Root canal treatment
• Scaling and polishing
• Tooth extractions

Program 1

• Annual limit: VND 1,000,000

Program 2

• Annual limit: VND 4,000,000

Pregnancy Check-Ups

Coverage includes:

• Prenatal consultations
• Ultrasound examinations
• Urine tests
• Blood tests
• Prescribed medication

Program 1

• Annual limit: VND 250,000

Program 2

• Annual limit: VND 1,000,000

Income Replacement Benefit

Employees may receive daily income replacement benefits while unable to work due to:

• Accidental injuries
• Illness requiring hospitalization
• Doctor-prescribed medical leave

Maximum benefit period:

• Up to 180 days per year

Maximum annual benefit:

• VND 30,000,000

Eligibility Requirements

Applicants must:

• Be between 12 months and under 66 years old
• Be Vietnamese citizens or legally residing foreigners in Vietnam
• Not stay outside Vietnam continuously for more than 180 days
• Not suffer from severe mental disorders or leprosy
• Not have active cancer (first-year participants)
• Not have permanent disability exceeding 80% (first-year participants)

Eligible Participants

Employees

Employees must have:

• Employment contracts
• Probation contracts
• Other legally recognized labor agreements

and be listed in the insured member schedule.

Family Members

Eligible family members include:

• Spouse
• Children
• Newly married spouse
• Newly born children
• Dependents according to company policy

Waiting Periods

Employees

General Illness

• 30 days

Pre-existing Conditions

• 365 days

Maternity Complications

• 90 days

Childbirth

• 270 days

Dependents

The same waiting periods apply:

• 30 days for general illnesses
• 365 days for pre-existing conditions
• 90 days for maternity complications
• 270 days for childbirth

Major Exclusions

Certain exclusions apply, including but not limited to:

• Pre-existing conditions during waiting periods
• Specific serious illnesses defined by the policy
• Excluded medical treatments
• Non-medically necessary procedures

Please contact us for the full policy wording and exclusion details.

Premium Rates

Premium rates depend on:

• Number of employees
• Average employee age
• Selected benefit plan
• Claims history
• Additional coverage options

Please contact us for a customized quotation.

Get a Free Quote

Looking for comprehensive employee health insurance in Vietnam?

Our insurance advisors can help you design a corporate healthcare plan that fits your company’s needs and budget.

Contact us today for a personalized proposal and premium quotation.