Bao Viet is one of the best-known insurance groups in Vietnam and offers several private health insurance products for individuals and families. Two of its main medical insurance options are Bao Viet An Gia, designed primarily for healthcare within Vietnam, and Bao Viet Intercare, a higher-end product intended for customers seeking broader access to private and international healthcare.
As of September 2026, Bao Viet's official online insurance platform advertises Bao Viet An Gia from VND 1,445,000 per year and Intercare from VND 6,200,000 per year. The actual premium can be substantially higher depending on age, plan level and optional benefits.
For expats and foreigners living in Vietnam, Bao Viet can be worth considering because its official information states that foreigners residing in Vietnam can be eligible for some plans. However, eligibility, exclusions, waiting periods and hospital access should be checked carefully before purchasing.
What is Bao Viet Health Insurance?
Bao Viet Insurance is the non-life insurance arm of Bao Viet Group, one of Vietnam's largest financial and insurance groups.
Bao Viet offers multiple health-related insurance products rather than one single policy.
For individual health insurance, the main products include:
- Bao Viet An Gia
- Bao Viet Intercare
- Bao Viet Tam Binh
- Cancer insurance
- Critical illness insurance
- Hospital cash insurance
- Personal accident insurance
For most people comparing comprehensive private health insurance, An Gia and Intercare are the most relevant starting points.
How much does Bao Viet health insurance cost?
Current starting prices displayed on Bao Viet's official online platform are:
| Bao Viet plan | Advertised starting premium |
|---|---|
| Bao Viet An Gia | From VND 1,445,000/year |
| Bao Viet Intercare | From VND 6,200,000/year |
| Bao Viet Tam Binh | From VND 486,000/year |
These are starting premiums, not the amount every customer will pay.
Your actual premium can depend on factors such as:
- Age
- Selected plan
- Inpatient coverage
- Outpatient coverage
- Dental benefits
- Maternity benefits
- Accident coverage
- Geographic area of coverage
- Individual underwriting or eligibility conditions
Bao Viet provides online premium calculators for some products, so it is better to enter the insured person's real age and desired benefits rather than relying on the advertised minimum.
Bao Viet An Gia health insurance
Bao Viet An Gia is one of Bao Viet's main individual health insurance products.
According to Bao Viet, it is available to individuals, families and small businesses. The current official product information states that eligible insured people can range from 15 days old to 65 years old, depending on participation and renewal conditions.
An Gia focuses primarily on medical expenses incurred in Vietnam.
Bao Viet currently offers five An Gia plan levels:
- Đồng — Bronze
- Bạc — Silver
- Vàng — Gold
- Bạch Kim — Platinum
- Kim Cương — Diamond
The main difference is the annual benefit limit and individual sublimits.
Bao Viet An Gia coverage limits
Bao Viet currently lists the following main annual inpatient benefit limits:
| Plan | Main annual benefit limit |
|---|---|
| Đồng | VND 94 million/person/year |
| Bạc | VND 138 million/person/year |
| Vàng | VND 230 million/person/year |
| Bạch Kim | VND 342 million/person/year |
| Kim Cương | VND 454 million/person/year |
The territorial coverage shown for these standard benefits is Vietnam.
Hospital room limits also increase according to the selected plan.
For example, Bao Viet currently lists hospital accommodation benefits from approximately VND 2 million per day under the Đồng plan to VND 10 million per day under the Kim Cương plan, subject to annual and day limits.
Does Bao Viet An Gia cover hospitalization?
Yes. Hospitalization is the core benefit of An Gia.
Depending on the plan, coverage may include:
- Hospital accommodation
- Medical treatment during hospitalization
- Surgery
- Pre-hospitalization medical expenses
- Post-hospitalization medical expenses
- Certain emergency treatment
The precise limits depend on the plan selected.
Bao Viet currently states that hospital costs can be covered up to VND 200 million per year under the highest relevant sublimits in its An Gia structure.
Does Bao Viet cover outpatient treatment?
Outpatient treatment can be added as an optional benefit to certain Bao Viet An Gia plans.
The official online calculator currently shows an outpatient option with benefits including:
- Up to VND 6 million per year
- Up to VND 1.2 million per visit
- Maximum of 10 consultations per year
- Physiotherapy subject to separate limits
This may be useful for people who regularly use private clinics for routine consultations, medications or follow-up care.
However, someone who rarely visits a doctor may decide that inpatient-only coverage provides better value.
Does Bao Viet cover dental treatment?
Dental coverage can be purchased as an additional benefit under An Gia.
The current online plan information shows a dental benefit of approximately:
- VND 2 million per year
- Up to VND 1 million per visit
The detailed insurance wording should be checked to understand exactly which dental procedures qualify.
Routine cosmetic dentistry should not automatically be assumed to be covered.
Does Bao Viet cover maternity?
Maternity can also be available as an optional benefit under An Gia.
Bao Viet's current online calculator displays a maternity benefit with a total limit of VND 21 million per year.
Maternity insurance commonly has waiting periods and eligibility rules, so someone planning a pregnancy should confirm these conditions before purchasing a policy.
Do not buy maternity coverage after becoming pregnant and assume that the existing pregnancy will automatically be insured.
Bao Viet Intercare insurance
Bao Viet Intercare is positioned as a higher-end health insurance product.
Unlike the standard An Gia plan, which focuses on treatment in Vietnam, Intercare is designed for customers who may want access to higher-cost healthcare and broader geographic coverage.
Bao Viet describes Intercare as a premium healthcare insurance program that can provide access to medical facilities in Vietnam and abroad.
The official Bao Viet online platform currently advertises Intercare from VND 6.2 million per year.
Actual premiums can be significantly higher depending on age and plan selection.
What does Bao Viet Intercare cover?
Intercare benefits depend on the selected program, but the product is designed around higher-level medical protection.
Bao Viet materials describe potential benefits such as:
- Inpatient treatment
- Medical expenses
- Surgery
- International healthcare access depending on plan
- Maternity options
- Dental options
- Emergency transportation
- Direct billing
Older official Bao Viet product material also describes very high maximum medical benefit limits and worldwide treatment options for certain Intercare levels.
Because plan structures and prices can change, prospective customers should use the current Intercare benefit table rather than relying on older brochures alone.
Bao Viet An Gia vs Intercare
The two products target somewhat different needs.
| Feature | Bao Viet An Gia | Bao Viet Intercare |
|---|---|---|
| Main focus | Healthcare in Vietnam | Premium/international healthcare |
| Starting price advertised in 2026 | VND 1.445 million/year | VND 6.2 million/year |
| Multiple coverage levels | Yes | Yes |
| Inpatient coverage | Yes | Yes |
| Outpatient options | Available | Depending on plan |
| Dental | Optional | Depending on plan |
| Maternity | Optional | Depending on plan |
| International treatment | Standard territorial cover is Vietnam | Broader coverage available |
| Direct billing | Available | Available |
For someone who mainly wants protection against hospital bills inside Vietnam, An Gia may be the more economical option.
Someone who wants premium hospitals, international treatment options or higher medical limits may be more interested in Intercare.
Can foreigners buy Bao Viet health insurance?
Yes, foreigners residing in Vietnam may be eligible for Bao Viet health insurance.
Bao Viet's official An Gia information states that the product is available to Vietnamese citizens and foreigners residing in Vietnam, subject to age and policy conditions.
Foreign residents should confirm:
- Whether their visa or residency status is sufficient
- Required identification documents
- Whether Vietnamese residency must be documented
- Whether the policy is available directly online
- Whether medical declarations are required
The application process for an expatriate may differ from that of a Vietnamese citizen.
Is Bao Viet good for expats?
It can be a practical option for expats who primarily receive medical treatment in Vietnam.
Potential advantages include:
- Vietnamese insurer with a large domestic presence
- Multiple price levels
- Direct billing network
- Coverage at many private healthcare facilities
- Local customer service
- Lower starting premiums than many international expat policies
Potential limitations include:
- Some plans focus only on Vietnam
- Benefit limits may be lower than premium international health insurance
- Policy documents and administrative processes may be more Vietnamese-oriented
- Pre-existing conditions and exclusions need careful review
- Not every hospital or clinic participates in direct billing for every plan
Expats who frequently travel or want treatment in Singapore, Thailand, Europe or elsewhere may prefer comparing Intercare with international insurance products.
For a broader comparison, see Health Insurance for Foreigners in Vietnam.
Does Bao Viet have direct billing?
Yes.
Bao Viet An Gia currently advertises direct billing at more than 250 hospitals and clinics nationwide, depending on the plan selected.
Direct billing means an eligible insured patient may not need to pay the full medical bill upfront and seek reimbursement later.
However, direct billing is not guaranteed for every treatment.
You should confirm:
- Whether the hospital is currently in the Bao Viet network
- Whether your specific plan qualifies
- Whether preauthorization is required
- Whether the treatment itself is covered
A hospital accepting Bao Viet insurance does not necessarily mean every medical service will be paid in full.
Which hospitals accept Bao Viet insurance?
Bao Viet publishes an official list of medical facilities participating in its direct billing network.
The current An Gia product page states that the network includes more than 250 hospitals and clinics across Vietnam, depending on the program.
Major private hospitals and clinic groups may participate, but networks change over time.
Before arranging expensive treatment, call Bao Viet or the hospital directly and confirm that direct billing applies to your specific policy.
For international patients, it is also worth confirming whether the hospital provides services in English.
Does Bao Viet cover Vinmec?
Whether a specific Vinmec hospital is eligible for direct billing can depend on the current Bao Viet provider network and your insurance plan.
Do not assume that every Vinmec branch or every service is automatically covered.
Check Bao Viet's latest direct billing list or contact the hospital before treatment.
The same applies to other large private hospital groups.
Does Bao Viet cover international hospitals?
Some products can.
An Gia's standard main medical benefits are listed with a territorial scope of Vietnam.
Intercare is specifically designed for customers seeking broader healthcare access and can include international coverage depending on the selected plan.
If international treatment is important to you, check:
- Countries included
- Whether the United States and Canada are covered
- Maximum annual benefit
- Emergency evacuation
- Direct billing abroad
- Preauthorization requirements
International coverage can significantly increase the premium.
Does Bao Viet cover pre-existing conditions?
Do not assume that pre-existing conditions are automatically covered.
Health insurance policies commonly contain exclusions, waiting periods or underwriting conditions relating to illnesses that existed before the policy began.
When applying, answer medical questions accurately.
Before purchasing, specifically ask how the policy handles:
- Existing chronic diseases
- Previous surgery
- Hypertension
- Diabetes
- Asthma
- Mental health conditions
- Previous cancer
- Ongoing medication
Coverage decisions depend on the policy wording and the insured person's circumstances.
Does Bao Viet require a medical examination?
Bao Viet's current information for An Gia states that a medical examination is not required before registration.
That does not mean all existing medical conditions are automatically covered.
The insurer may still require health declarations or apply contractual exclusions according to its rules.
What is the age limit for Bao Viet health insurance?
Current Bao Viet information for An Gia states that eligible insured individuals can range from 15 days old to 65 years old, although some official Bao Viet purchase information distinguishes between the initial-entry age and renewal age.
This means older applicants should check the exact eligibility conditions that apply when first buying the policy.
Premiums can also increase with age.
How to buy Bao Viet health insurance
Bao Viet offers online purchasing and premium calculation for several health insurance products.
A typical process involves:
- Choose the health insurance product.
- Enter the insured person's date of birth.
- Select the policy start date.
- Choose the coverage level.
- Select optional outpatient, dental, accident or maternity benefits where available.
- Review the calculated premium.
- Complete the application and required declarations.
- Pay the premium.
If you are a foreigner or have a complicated medical history, speaking to Bao Viet or an authorized agent before purchasing may be useful.
How to make a Bao Viet health insurance claim
The process depends on whether direct billing is available.
Direct billing
At a participating hospital, the medical facility may coordinate eligible expenses directly with Bao Viet.
You may still need to pay:
- Non-covered items
- Amounts exceeding policy limits
- Deductibles or co-payments if applicable
- Excluded treatments
Reimbursement
If direct billing is unavailable, you may need to pay first and submit a claim afterward.
Bao Viet's English An Gia FAQ currently states that a claim should generally be submitted within 60 days from the final date of treatment, subject to the overall contractual time limit.
Keep original medical documentation and invoices unless Bao Viet advises otherwise.
Is Bao Viet cheaper than international expat insurance?
Often, yes at the entry level.
An Gia currently starts at around VND 1.445 million per year, which is substantially below the cost of many full international expat health insurance policies.
But the products are not necessarily equivalent.
An international plan may provide:
- Much higher annual limits
- Treatment across multiple countries
- Medical evacuation
- International private hospitals
- More extensive cancer treatment
- Broader outpatient coverage
Therefore, compare coverage rather than premium alone.
Who may benefit from Bao Viet An Gia?
An Gia may be worth considering for someone who:
- Lives primarily in Vietnam
- Wants protection against hospital expenses
- Uses Vietnamese private hospitals
- Wants a relatively low-cost local insurance option
- Does not require very high international medical limits
Adding outpatient coverage may make sense for someone who frequently uses private clinics.
Who may prefer Bao Viet Intercare?
Intercare may be more appropriate for someone who:
- Wants higher medical limits
- Uses premium hospitals
- Wants broader international healthcare access
- Travels frequently
- Wants more comprehensive medical protection
However, compare the actual premium and coverage against international insurers before deciding.
Frequently Asked Questions
How much does Bao Viet health insurance cost?
Bao Viet currently advertises An Gia from VND 1,445,000 per year and Intercare from VND 6,200,000 per year. The actual premium depends on age, plan and optional benefits.
Can foreigners buy Bao Viet health insurance?
Yes. Bao Viet's official An Gia information states that foreigners residing in Vietnam may be insured, subject to the product's age and eligibility conditions.
What does Bao Viet An Gia cover?
An Gia provides core inpatient, hospitalization and surgery coverage in Vietnam. Optional benefits can include outpatient treatment, dental and maternity coverage.
What is the maximum coverage for Bao Viet An Gia?
Bao Viet currently lists a main annual benefit limit of up to VND 454 million per person for the Kim Cương plan, subject to individual benefit sublimits.
Does Bao Viet cover outpatient treatment?
Outpatient coverage is available as an optional An Gia benefit. Bao Viet's current online information displays an outpatient option with benefits of up to VND 6 million per year.
Does Bao Viet have direct billing?
Yes. Bao Viet currently states that An Gia offers direct billing through more than 250 hospitals and clinics nationwide depending on the selected plan.
What is the difference between Bao Viet An Gia and Intercare?
An Gia is primarily designed for healthcare within Vietnam and has a lower starting premium. Intercare is positioned as a premium product with broader international healthcare options depending on the selected plan.
Is Bao Viet health insurance suitable for expats?
It can be suitable for foreigners residing in Vietnam who mainly need local private healthcare. Those who require worldwide coverage or very high annual limits should compare Intercare with international expat insurance.
Conclusion
Bao Viet offers several health insurance options, but Bao Viet An Gia and Intercare are the two most relevant products for people looking for comprehensive private medical coverage.
As of September 2026, Bao Viet advertises An Gia from VND 1.445 million per year and Intercare from VND 6.2 million per year. These are minimum advertised premiums; age, coverage level and optional outpatient, dental or maternity benefits can increase the cost significantly.
An Gia provides five plan levels with main annual benefit limits ranging from VND 94 million to VND 454 million per person, and Bao Viet currently advertises direct billing at more than 250 hospitals and clinics depending on the selected program.
For foreigners residing in Vietnam, Bao Viet can be a relatively affordable alternative to international expat insurance, particularly when most treatment will take place inside Vietnam. However, buyers should compare geographic coverage, annual limits, pre-existing-condition rules and direct billing access before choosing a plan.
For a broader comparison of local and international policies, see Health Insurance for Foreigners in Vietnam and How to Choose Health Insurance in Vietnam.
Sources
Writer
Jonathan García-Allen
Psychologist, book author and digital strategist specializing in mental health. He co-founded Psicología y Mente, one of the world’s most visited mental health websites, with more than 20 million visits per month. He has more than 10 years of experience creating health content and helping psychologists, therapists and clinics grow their online presence through content, SEO and digital marketing
