Health Insurance for Expats in Vietnam – Bao Viet Intercare
Bao Viet Intercare is the international health insurance plan of Bao Viet Insurance, Vietnam’s first and largest non-life insurer (founded 1965, Vietnam National Brand 2024). It covers foreigners legally residing in Vietnam, with direct billing at more than 290 hospitals and clinics nationwide – including Vinmec, FV, Family Medical Practice, Raffles Medical, Hanh Phuc and American International Hospital – and optional cover across Southeast Asia, Asia or worldwide. Policies are issued in Vietnam, premiums are paid in VND, and claims are handled locally in English or Vietnamese.
This page is maintained by Do Ba Khiem, licensed insurance consultant (agent code 3679198) at Bao Viet Gia Dinh branch, Ho Chi Minh City. Contact via WhatsApp/Zalo +84 374 119 968 or email dobakhiem@baoviet.com.vn.
Who can apply
- Foreign nationals with a valid visa, temporary residence card or work permit in Vietnam, and their family members; Vietnamese citizens are also eligible.
- Entry age from 15 days to 64 years (renewals accepted up to 75).
- No medical examination for standard applications; a health declaration is required. Pre-existing conditions are excluded in year one and reviewed at renewal.
- Individual, family or company group policies (group plans available for employers from 3 staff).
Plans and benefits
| Plan | Select | Essential | Classic | Gold | Diamond |
|---|---|---|---|---|---|
| Area of cover | Vietnam | Southeast Asia | Asia | Worldwide excl. US & Canada | Worldwide |
| Annual limit – inpatient | 1.05 billion | 2.1 billion | 4.2 billion | 5.25 billion | 10.5 billion |
| Room & board per day | 4.2 million | 6.3 million | 10.5 million | 16.8 million | 21 million |
| Intensive care (max 30 days per illness) | Full limit | Full limit | Full limit | Full limit | Full limit |
| Surgery, diagnostics, emergency room | Full limit | Full limit | Full limit | Full limit | Full limit |
| Pre-admission (30 days) / post-discharge (90 days) / home nursing – each per year | 21 million | 42 million | 63 million | 84 million | 105 million |
| Emergency medical evacuation & repatriation | Full limit | Full limit | Full limit | Full limit | Full limit |
| Organ transplant (lifetime, per organ) | 630 million | 840 million | 1.26 billion | 1.68 billion | 2.1 billion |
| Optional: outpatient (annual / per visit) | 31.5 m / 3.2 m | 63 m / 5 m | 84 m / 6.7 m | 105 m / 7.3 m | 168 m / 11.8 m |
| Optional: maternity (women 18–45) | 21 million | 31.5 million | 63 million | 84 million | 105 million |
| Optional: dental (50% co-pay on major work) | 21 million | 21 million | 31.5 million | 31.5 million | 31.5 million |
| Optional: personal accident (max sum insured) | 2.2 billion | 4.4 billion | 6.6 billion | 8.8 billion | 11 billion |
Premiums
| Age | Select | Essential | Classic | Gold | Diamond |
|---|---|---|---|---|---|
| Under 1 | 17,760,000 | 18,613,000 | 20,818,000 | 24,977,000 | 30,352,000 |
| 1–3 | 11,458,000 | 12,641,000 | 14,923,000 | 18,847,000 | 24,175,000 |
| 4–6 | 7,161,000 | 8,316,000 | 9,818,000 | 13,052,000 | 17,672,000 |
| 7–9 | 6,510,000 | 7,560,000 | 8,925,000 | 11,865,000 | 16,065,000 |
| 10–18 | 6,200,000 | 7,200,000 | 8,500,000 | 11,300,000 | 15,300,000 |
| 19–25 | 6,000,000 | 6,800,000 | 8,700,000 | 11,600,000 | 22,200,000 |
| 26–30 | 6,400,000 | 8,300,000 | 10,300,000 | 13,700,000 | 24,800,000 |
| 31–35 | 7,100,000 | 8,700,000 | 11,400,000 | 15,200,000 | 26,100,000 |
| 36–40 | 9,300,000 | 10,000,000 | 13,300,000 | 17,700,000 | 27,400,000 |
| 41–45 | 11,200,000 | 11,500,000 | 15,700,000 | 20,900,000 | 30,000,000 |
| 46–50 | 11,700,000 | 13,700,000 | 17,600,000 | 23,500,000 | 32,600,000 |
| 51–55 | 17,300,000 | 19,400,000 | 20,500,000 | 25,700,000 | 39,500,000 |
| 56–60 | 19,600,000 | 22,000,000 | 23,300,000 | 29,200,000 | 44,800,000 |
| 61–64 | 24,300,000 | 27,100,000 | 27,300,000 | 34,200,000 | 56,600,000 |
| 65–69 | 28,600,000 | 39,200,000 | 44,700,000 | 55,900,000 | 77,300,000 |
| 70–75 (renewal only) | 34,500,000 | 47,700,000 | 54,100,000 | 67,600,000 | 100,500,000 |
Direct billing (cashless) network
Show your Bao Viet insurance card (physical or e-card) and passport at any facility in the direct-billing network; the hospital settles covered costs directly with Bao Viet, and you only pay excluded items or amounts above your limit. The network covers 293 hospitals and clinics across Vietnam (updated September 2026), plus selected clinics in Singapore, Thailand, Hong Kong and other countries for Essential plans and above. Browse the searchable hospital list (facility names are shown in Vietnamese and English; use the search box) and the list of excluded clinics.
Outside the network, pay first and claim within one year; Bao Viet settles valid claims within 15 working days of receiving complete documents.
How to apply
- Send us your date of birth, nationality, preferred area of cover and optional benefits – or use the form below. We reply with a written quotation within one working day.
- Complete the application form (Word / PDF) and send a copy of your passport.
- Pay the premium by bank transfer to Bao Viet Gia Dinh (company account, invoice issued) or by card.
- Receive your policy and e-card by email on the working day after payment; the physical card follows by post.
Documents (English)
- Intercare application form (Word version)
- Claim form – individual customers · corporate customers
- Corporate health insurance policy wording (English) – for employer group plans
- Intercare benefit table and premium schedule (Vietnamese originals; we provide an English summary on request)
Frequently asked questions
Yes. The policy is issued by a Vietnamese licensed insurer and is accepted by employers and immigration offices as proof of health insurance. We can issue a certificate letter in English on request.
Choose Essential (Southeast Asia), Classic (Asia), Gold (worldwide excluding the US and Canada) or Diamond (worldwide). Cover applies while you travel; you may be asked to show that Vietnam remains your main residence (not away for more than 180 consecutive days).
Not in the first policy year. Special diseases (cancer, heart disease, diabetes and others listed in the wording) and pre-existing conditions carry a 365-day waiting period; after continuous renewal they are covered within the plan limits. Declare all conditions honestly on the application to avoid disputes at claim time.
Keep original invoices, prescriptions, test results and the discharge summary. Submit the English claim form with the documents within one year; Bao Viet pays by bank transfer within 15 working days of receiving a complete file. We check your documents before submission.
A 35-year-old on the Select plan (Vietnam only, inpatient) pays VND 7.1 million per year, about USD 275; adding outpatient costs VND 5.3 million. The Classic plan (Asia) for the same person is VND 11.4 million. See the premium table above or request a quotation.
Request a quotation
Bao Viet Gia Dinh – 156–158 B2 Street, An Khanh Ward, Ho Chi Minh City. Office hours 08:00–17:00, Monday to Friday. Bao Viet 24/7 hotline (Vietnamese and English): 1900 55 88 99.
Tiếng Việt: Bảo Việt Intercare
