HEALTHCARE INSURANCE – BAO VIET FAMILY CARE

Bao Viet’s comprehensive health insurance product has been trusted by millions of Vietnamese to care for and protect their health. When customers enroll in Bao Viet health insurance, they can rest assured and enjoy life because our goal is “to care for and protect your health.”

Issued together with Decision No. 6029/QD‑BHBV dated June 27, 2025, by the General Director of Bao Viet Insurance Corporation

Advantages when enrol in HealthCare Insurance of Bao Viet

• Covers individuals aged from 15 days to 65 years

• Maternity and maternity-related complications covered

• COVID‑19 treated as a normal illness

• No requirement for a medical exam before enrollment

• Access to a network of modern standard hospitals in Vietnam

• Diverse insurance benefits to suit various budgets and needs

• 24/7 direct billing service: customers don’t need to collect reimbursement documents or pay hospital bills

Bao Viet Family Care is designed into 5 outstanding programs: Bronze, Silver, Gold, Platinum, Diamond corresponding to 5 prices from low to high and fully meet the insurance needs.

BENEFIT SCHEDULE – BAOVIET FAMILY CARE

Promulgated together with Decision No. 6029/QD-BHBV dated June 27, 2025 of the General Director of Bao Viet Insurance Corporation

Unit: Vietnam Dong

If insured is admitted to ICU/HDU/CCU in a public hospital, daily inpatient cost (Item I.1) increases by 1.5× the standard daily rate.

SHARED COST RATIO FOR CHILDREN AGED 15 DAYS TO 3 YEARS

• 70/30 sharing (Bao Viet covers 70%, insured pays 30%)

• Not applied if using public hospitals (except voluntary departments)

CLAIMS DOCUMENTS VIA BAO VIET DIRECT APP

• Applicable when the claim is ≤10 million VND and not inheritance-related

• Soft documents:

  •  form and accident report generated via BaoViet Direct, electronically signed with OTP — equivalent to hard copy

• Medical receipts:

  • Accept digital invoices with traceable links

• Medical records:

  • Accept photocopies/scans without notarization; public hospitals do not require departmental stamps

• Other documents:

  • May require notarized or BaoViet-certified copies case-by-case

• Bao Viet reserves the right to request original documents if necessary.

Bao Viet’s health insurance is valid at most hospitals nationwide. At partners, customers can use direct billing; elsewhere, submit invoices and medical reports for reimbursement.

PREMIUM TABLE – BAOVIET FAMILY CARE

Promulgated together with Decision No. 6029/QD-BHBV dated June 27, 2025 of the General Director of Bao Viet Insurance Corporation

Unit: VND/person/year

Notes:

• Main insurance (Section A) is mandatory.

• Supplementary options (Section B) are optional and can be selected individually or combined.

• Premium = A + B

• Example: Mr. Nguyen Van A, age 35, selects Bronze. Section A costs 1,512,000. If he adds outpatient (Section B), total = 1,512,000 + 1,956,000 = 3,468,000 VND.

• Children aged 15 days–1 year must be insured together with parents under Platinum or Diamond.

ELIGIBLE INSUREDS

• Vietnamese citizens or foreigners residing in Vietnam aged 15 days–60 years, renewable up to 65 years.

• Children under 9 must be on the same policy as at least one parent and at equal or lower plan.

Eligible Insured Persons

The insured person is any Vietnamese citizen or foreign national residing in Vietnam, aged from fifteen (15) days to sixty (60) years at the time the insurance policy becomes effective, and renewable up to sixty-five (65) years.

In the case of children under nine (09) years old, insurance is only valid if the child is insured together with a parent(father and/or mother), or the parent has already enrolled in at least one active Health Insurance or Medical Expense Insurance policy with Bao Viet. The dependent’s insurance program must be equal to or lower than the parent’s selected program.

Waiting Period Regulations

The waiting period refers to the time during which relevant insurance benefits will not be payable, even if the insured event occurs during that period. This includes situations where the incident arises within the waiting period, but its costs or consequences extend beyond it.

For Inpatient and Outpatient Treatment:

• 30 days for common illnesses (including the entire period from symptom onset to treatment end — calculated based on disease onset, not treatment start)

• 90 days for maternity complications, as defined

• 365 days for:

  • Pre-existing conditions

  • Special conditions (as defined)

  • Ligament and meniscus rupture/tear/reconstruction

  • Conditions listed in General Exclusion No. 46 of the insurance policy

• 180 days for children up to 6 years old for:

  • Bronchitis

  • Bronchiolitis

  • All types of pneumonia

For Personal Life Insurance:

• 90 days for common illnesses

• 365 days for:

  • Maternity complications

  • Pre-existing conditions

  • Special conditions (as defined)

  • Ligament and meniscus rupture/tear/reconstruction

  • Conditions listed in General Exclusion No. 46

For Dental Insurance:

• Benefits become effective after a 30-day waiting period

For Maternity Coverage:

• 90 days for maternity complications, as defined

• 635 days for childbirth

The following medical conditions are not covered during the first year of insurance, regardless of whether they occur before or after the policy takes effect. This includes pre-existing conditions, special conditions, and the specific illnesses listed below:

Treatment for Ligament Reconstruction and Meniscus Tear

Treatments related to ligament reconstruction or meniscus tear are not covered during the first year of the insurance policy. They are only covered from the second consecutive policy year, and subject to a co-payment arrangement of 70/30, in which the insured person must pay 30% of the medical expenses as defined under the co-payment clause.

Pre-existing Conditions

A pre-existing condition is defined as any illness or injury of the insured person that existed prior to the effective date of the insurance contract and falls under one of the following categories:

• Was diagnosed or treated by a doctor before the effective date of the insurance policy, and/or

• Exhibited signs or symptoms within 36 months prior to the policy’s start date, which the insured was aware of, regardless of whether any medical consultation or treatment actually took place.

The identification of pre-existing conditions is based on:

• Medical records stored at hospitals or legally established medical facilities

• Official medical documentation published by the Ministry of Health or other competent authorities

• Self-declared information by the policyholder or the insured in the insurance application or any supplementary forms

• The insured’s previous insurance claim history

Special Conditions

According to the insurance policy terms, the following are classified as special conditions:

The following EXCLUSIONS will not be covered for the duration of the policy whether occurring before or after the policy becomes effective

GENERAL EXCLUSIONS

(Applicable to Primary Benefit and all Supplemental Benefits)

 Bao Viet Insurance is not responsible for paying the sum assured for the risks, items, conditions, actions, causes, diseases, treatments listed below and related costs or consequences thereof:

1. The treatment costs are unreasonable, medically unnecessary, not in accordance with reasonable practice and not prescribed by a doctor.
2. Acts that intentionally cause harm to themselves or other subjects of the Insured or their legal heirs.
3. In case the Policyholder/Insured declares/provides untruthful or incomplete information about the disease/injury condition in the insurance claim, Bao Viet Insurance reserves the right to reduce all or part of the liability for the indemnity claim of the insurance contract.
4. The insured person aged 14 years or older who violates the law shall be criminally prosecuted; violating internal rules and regulations of local authorities or social organizations; violating the internal regulations of the agency according to the Labor Law.
5. The insured person drives a vehicle participating in traffic with an alcohol concentration in his blood or breath exceeding 50 milligrams/100 milliliters of blood or 0.25 milligrams/1 liter of breath; or violating other provisions of the Law on Road Traffic Order and Safety (and amendments, supplements and replacements, if any).
6. The insured suffers from an accident/injury while using alcohol/beer, drugs, stimulants, and addictive substances. Risks arising directly or indirectly from: The insured is addicted to alcohol/beer, drugs, stimulants; or use, abuse or addiction to any alcohol/stimulant/addictive substance.
7. Acts of fighting by the Insured, unless it can be proved by written certification of the competent authority that such act of fighting is for the purpose of self-defense only.
8. The accident occurs outside the insurance period; Medical expenses incurred outside the insurance period are the consequences of accidents that occur during the insurance period.
9. Examination and treatment not according to the procedures of the hospital/clinic; treatment indications are not in accordance with the process/protocol of the Ministry of Health.
10. Participation in aviation operations (except as a passenger on commercial flights), participation in military training exercises, combat participation of the armed forces.
11. Risks of disaster nature such as earthquakes, volcanoes, tsunamis; radioactive contamination; infectious diseases of groups A, B/pandemics/medical emergencies as announced by WHO or competent State agencies.
12. Risks arising out of or in connection with war, civil war, strikes, terrorism, riots, civil unrest, armed violence that disturbs social order, insurrection, civil activities or actions of the head of any organization aimed at overthrow,  threatening the government and controlling it by force.
13. Participating in training or participating in professional sports activities, participating in adventure sports activities, any racing activities (including legal and illegal).
14. Tuberculosis of all kinds, occupational diseases.
15. Cancer (all insurance benefits); medical expenses related to examination/treatment for cancerous parts of the body.
16. People who suffer from cancer before participating in insurance; Persons who are in the period of inpatient treatment for injury or illness, persons with permanent disability of more than 50% at the time of participation or the time the insurance policy takes effect.
17. All benefits arise for persons who are not subject to insurance.
18. Diseases of myeloid failure, leukemia, dialysis treatment, hemodialysis, kidney failure, and the consequences or complications of these diseases.
19. Examination and treatment of sexually transmitted diseases such as: hypochinemia, inguinal granuloma, gonorrhea, syphilis, genital herpes, genital warts, genital HPV, pubic lice (crab lice), chlamydia, trichomonas, flagellum, mango seed disease (genital lymphoma), cytomegalovirus infection, soft tumors transmitted in people over 10 years old,  acquired immunodeficiency syndrome (AIDS), conditions and diseases related to the HIV virus, other sexually transmitted diseases; and any complications/consequences related to the above diseases/syndromes/conditions.
20. Congenital diseases, birth defects, genetic diseases, genetic malformations, and any complications/consequences associated with these diseases; includes the categories listed below and/or the categories listed in the Amendment as an attached part of the policy/policy such as: congenital heart disease, Down syndrome, cleft lip, cleft palate, hydrocephalus in the brain, anal stenosis, narrowing/short/long foreskin,  congenital septal scoliosis, or other congenital diseases/congenital defects/genetic diseases/genetic malformations according to the doctor’s conclusion.
21. Periodic health check-ups; periodic testing; general health checks; cancer screening; medical examinations or medical consultations not related to the treatment of diseases or injuries, including gynecological/andrological examinations (however, gynecological/andrology examinations and tests with abnormal results for the purpose of treating diseases covered by insurance are still covered); examination/treatment for growth hormone deficiency/disorders, premenopause or menopause in women; periodic examinations for newborns; all forms of vaccination, vaccines and preventive drugs (except in case of vaccination after an accident or being bitten by animals or insects); periodic prenatal check-ups.
22. Cataracts, strabismus; Normal vision/hearing test; Aging, degeneration, treatment of natural/non-pathological causes of hearing impairment, such as: refractive errors such as myopia, farsightedness, and astigmatism and any treatment/surgery to rehabilitate corrective hearing and visual degenerative defects. Particularly, dry eyes, regulatory eye fatigue, and eye regulatory disorders are insured with a total limit of 5% of the sum insured for outpatient treatment benefits, and not exceeding the sum insured for outpatient treatment benefits.
23. Childbirth (including cases of complications leading to consequences of childbirth and premature birth); Some postpartum consequences such as fever, bacterial infection, postpartum, hemorrhage, mastitis, breast abscess, headache, numbness in the limbs, back pain, urinary tract disorders. This exclusion is only waived in case of participation in the Supplementary Benefit – Maternity Insurance.
24. Maternity complications are not listed in the list of covered maternity complications as defined by the insurance rules.
25. Dental examination and treatment costs include both inpatient and outpatient treatment, unless covered by Dental Insurance.
26. Medical treatment at the request of the Insured Person that is not related to normal treatment and surgical conditions prescribed by the health sector.
27. Examination/test/imaging without a doctor’s diagnosis of the disease, or the doctor concludes that there is no disease; non-risk-related expenses covered by insurance.
28. Cosmetic treatment, plastic surgery, plastic surgery, complications of aesthetic treatment/plastic surgery/plastic surgery; examination and treatment of scars, drooping eyelids, moles; orthopedics (excluding orthopedic surgery for the purpose of reconstruction to restore the function of damaged organs/body parts arising during the insurance period).
29. Treatments for hyperpigmentation (melasma), acne/acne/acne treatments, and alopecia treatments are excluded from outpatient treatment benefits. In case the Insured suffers from these diseases and has to undergo inpatient treatment, it shall still be settled according to the inpatient treatment benefit.
30. Expenses for supply, maintenance, repair or replacement: prosthetics, medical parts/equipment/devices for treatment as defined.
31. Functional foods; food to nourish the body; pharmaceuticals, cosmetics, cosmetics; medical preparations not on the list of therapeutic drugs of the Ministry of Health; supplements or substitutes for dieting that are available in nature and can be purchased without a prescription, drugs that enhance the body’s immunity; minerals and vitamins (unless those minerals and vitamins are prescribed with therapeutic drugs and the cost of these minerals and vitamins is not greater than 20% of the total prescription).
32. Family planning, abortion/consequences of abortion due to psychological or social causes; examination, treatment or testing for infertility/infertility/fertility testing; treatment of impotence; disorders of sexual function or physiological treatment; artificial insemination (including all forms), maternity complications on the Insured who is pregnant through artificial fertilization; treatment of gender problems; and any consequences or complications from the above treatments.
33. Examination and treatment for body weight control (weight gain or loss); malnutrition, rickets, obesity.
34. Mental and behavioral disorders, psychiatric diseases, neurosis, psychological diseases, somatic disorders, developmental delays, attention deficit disorder, autism, sleep disorders, insomnia, snoring of unknown cause, neurasthenia and body weakness without pathological cause,  stress syndrome or related illnesses from that syndrome.
35. Hydrotherapy, natural methods, spas, massages, sanatoriums, sanatoriums, long-term care institutes, or at similar facilities.
36. Not insured in the first year of insurance participation for: Special diseases, pre-existing diseases as defined; Treatment/surgery indications are from before the date of insurance participation.
37. Examination/treatment related to tear/rupture/reconstruction of ligaments and meniscus is not covered in the first year, and is covered from the second consecutive year on the condition of compensation on a 70/30 co-payment basis. The insured shall bear 30% of the cost according to the co-payment definition.
38. Risks of occurrence or medical treatment outside of the covered geographical area.
39. All forms of outpatient examination/treatment/surgery, same-day examination/treatment/surgery, outpatient and same-day diagnostic procedures. This exclusion point does not apply in case the Insured Person participates in the Outpatient Treatment Supplementary Benefit.
40. Home examination/treatment services; Telemedicine services of hospitals/clinics; Examination and treatment at private doctors’ clinics and private dental offices without practice licenses and failing to provide financial documents/invoices as prescribed by law; Examination and treatment at a hospital/clinic that is not in accordance with the definition of the insurance policy, including the doctor’s appointment at this hospital/clinic for the purchase of medicines/tests/treatments at a legitimate hospital/clinic/pharmacy.
41. Experimental treatment, treatment that is not scientifically recognized, free treatment services at any hospital/clinic, preventive examination/treatment.
42. The medical treatment is due to the doctor’s professional error.
43. Use of drugs without a prescription; medical treatment and/or use of drugs not prescribed by a doctor; treatment at private Oriental medicine clinics and/or use Oriental medicines of unknown origin purchased from such private Oriental medicine establishments or establishments not licensed to trade in Oriental medicine treatment drugs; drugs that have not been legally circulated in Vietnam.
44. Treatment, surgery for disease/injury by stem cell transplantation method includes the categories listed below and/or other categories listed in the Amendment and Supplement as an attached part of the policy/policy such as: extraction costs,  treatment, stem cell transplantation, maintenance treatment after stem cell transplantation and the consequences of this treatment. The stem cell transplant method is only covered for the cost of inpatient days at public hospitals.
45. Related arising benefits and expenses as designated by medical facilities that are not covered by insurance are updated on the website of Bao Viet Insurance; Expenses incurred at medical establishments outside the scope of insured medical establishments as prescribed in the insurance contract.
46. The following diseases will not be covered in the first year of coverage whether they occur before or after the policy takes effect, including:

    1. Nervous System Diseases:	Central nervous system inflammation (e.g., encephalitis) Neurodegenerative disorders affecting the central nervous system (e.g., spinal muscular atrophy and related syndromes) Extrapyramidal movement disorders (e.g., Parkinson’s disease, dystonia, other extrapyramidal disorders) Alzheimer’s disease Apallic syndrome Memory loss syndrome Epilepsy Coma Cerebral palsy and other paralysis syndromes
    2. Respiratory System Diseases:	Pulmonary failure Pneumothorax Chronic Obstructive Pulmonary Disease (COPD)
    3. Circulatory System Diseases:	Heart conditions High blood pressure (hypertension) Idiopathic pulmonary arterial hypertension Cerebrovascular diseases Stroke and sequelae of the above diseases
    4. Digestive System Diseases:	Hepatitis A, B, C, D Cirrhosis Liver failure Gallstones

    5. Urinary System Diseases:	Glomerular diseases Tubular diseases Kidney stones Ureteral stones Urinary tract stones Kidney failure Nephrotic syndrome
    6. Endocrine System Diseases:	Thyroid disorders Diabetes and pancreatic endocrine disorders Adrenal gland disorders Other endocrine disorders
    7. Tumors:	All types of benign tumors or growths
    8. Blood Disorders:	Blood clotting disorders Neutrophil dysfunction Diseases of the reticuloendothelial and lymphatic systems Bone marrow transplantation
    9. Skin and Connective Tissue Diseases:	Systemic lupus erythematosus (SLE) Systemic sclerosis Multiple sclerosis Progressive scleroderma / Amyotrophic lateral sclerosis Muscular dystrophy and related complications Pemphigus Psoriasis Chronic allergic urticaria (requiring treatment with foreign antigens)

     

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