Considering purchasing Bảo Việt Maternity Insurance

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Recently, many readers have been asking, 'Is it worth buying Bảo Việt Maternity Insurance?' to Mytour, especially young individuals planning to have their first child. Therefore, Mytour will address this question in the following article.

Maternity insurance is one of the insurance packages that expectant mothers should consider buying. This insurance package is being developed by many insurance agencies such as Liberty Maternity Insurance, AIA Maternity Insurance, PVI, Bảo Việt ... Among them, many people are interested in and researching Bảo Việt's insurance type and wondering whether to purchase Bảo Việt Maternity Insurance or not?

Experiences in purchasing maternity insurance

Article Contents:
1. Understanding Bảo Việt Maternity Insurance.
2. Benefits.
3. Eligibility criteria.
4. Cases covered by insurance.
5. Waiting period.
6. Insurance premiums.
7. Insurance compensation procedures.
8. Tips for purchasing maternity insurance.

1. What is Bảo Việt Maternity Insurance?

Bảo Việt Maternity Insurance is insurance designed for women planning to have a child developed by Bảo Việt Insurance Company to help women save on prenatal care, childbirth expenses, and protect the health of both themselves and their unborn child. Similar to the PVI Maternity Insurance, Bảo Việt collaborates with various international hospitals, maternity clinics ... so when purchasing maternity insurance, you can choose one of the hospitals for examination and childbirth like University Hospital, Mytour International Hospital ...

2. What are the benefits of purchasing Bảo Việt Maternity Insurance?

Benefits of Bảo Việt Maternity Insurance

Bảo Việt offers various maternity insurance packages, providing users with different choices. Each insurance package comes with a variety of benefits:

* Bảo Việt An Gia

According to Bảo Việt's regulations, when you participate in this insurance, you will enjoy the following benefits:

- Insured for reimbursement of 21 million dong/year when you purchase the Platinum package

- Insured for reimbursement of 31.5 million dong/year when you purchase the Diamond package

* Intercare Insurance

Depending on the package and territorial scope... the insurance coverage entitlements for you when purchasing Intercare insurance will vary. Specifically:

* Human Integrated Insurance

Benefits of Human Integrated Insurance include:

- Hospitalization allowance. As per clear regulations, the insurance will reimburse the insured person 0.3% x Insured amount/day for a maximum of 60 days/year of hospitalization.
- Surgical expense allowance insurance. Depending on the surgical fee, the insurance will reimburse varying amounts of money.

3. Conditions for purchasing Bảo Việt Maternity Insurance

To enroll in Bảo Việt Maternity Insurance, you need to meet the following conditions:

- Individuals aged 18 - 45. Those under 18 or over 45 will not be insured
- Insured individuals need to participate in the Main Terms. For example, insured individuals need to participate in the Diamond or Platinum program when purchasing the An Gia insurance package.

4. Cases eligible for Bảo Việt Maternity Insurance coverage

Insured individuals will be covered by Bảo Việt Maternity Insurance in the following cases:

* Pregnancy Complications, Difficult Births

Unfortunate situations such as complications during pregnancy or childbirth requiring obstetric surgery, both before and after delivery, are supported by insurance coverage.

Cesarean section is not covered by insurance support, except in cases indicated by a doctor such as fetal distress, premature birth, multiple pregnancies, uterine fibroids, placenta previa, eclampsia, umbilical cord prolapse, previous cesarean section .... If you request a cesarean section, you will not be supported by insurance.

Pregnancy complications, difficult births such as:

- Ectopic pregnancy

- Miscarriage or intrauterine fetal demise

- Tubal pregnancy

- Postpartum hemorrhage

- Retained placenta after childbirth

- Difficult childbirth

- Threatened preterm birth

- Abortion prescribed by a doctor due to underlying medical conditions you suffer from

* Normal Delivery

Normal delivery also entitles to reimbursement for various services by Bảo Việt, instead of just limiting to hospital bed and delivery expenses.

5. Waiting Period for Bảo Việt Maternity Insurance

Waiting period for maternity insurance

Bảo Việt Maternity Insurance covers two main cases for reimbursement: childbirth and pregnancy complications. Specifically:

- Waiting period for childbirth is 635 days for individuals and 365 days for groups, calculated from the effective date of the insurance contract.
- Waiting period for pregnancy complications is 90 days from the signing of the insurance contract.

6. Premium for Bảo Việt Maternity Insurance

Each insurance package offers different benefits, hence different premiums. Specifically:

* Bảo Việt An Gia

- Premium for Platinum package: 4.8 million dong/year
- Premium for Diamond package: 5.5 million dong/year

* Intercare Insurance

- Premium for Select program: 4.8 million dong/year

- Premium for Essential program: 5.5 million dong/year

- Premium for Classic program: 7.9 million dong/year

- Premium for Gold program: 11 million dong/year

- Premium for Diamond program: 12.1 million dong/year

* Human Integrated Insurance

You need to pay a minimum insurance amount of 1 - 30 million dong to be eligible for benefits with a value of 0.4 - 0.54% of the insurance amount.

7. Claim procedures for insurance compensation

Within 1 year from the date of the incident, the claim file must be prepared and sent to Bảo Việt to be effective. After 1 year, Bảo Việt will not compensate or cover expenses for the insured. In addition, you need to prepare the following documents to notify Bảo Việt within 60 days from the date of discharge/stable treatment/death:

- Claim request documents (according to the template)

- Insurance certificate

- Documentation proving that the insured person has received treatment, including the expenses to be paid.

- Death certificate if the insured person dies or inheritance rights confirmation documentation

- If the insured person is involved in an accident, you need to submit a statement from the insured person with confirmation from the insurance contract holder/accident report.

8. Tips for Participating in Bảo Việt's Maternity Insurance

Consider the following to decide whether to purchase Bảo Việt's maternity insurance:

- Research the maternity insurance packages offered by Bảo Việt and other agencies. Then, compare to see which package suits your needs and financial conditions.
- The waiting period for each insurance case varies, so make sure to understand them to avoid any regrettable misunderstandings.

Bảo Việt's maternity insurance is a high-quality package developed by reputable insurance agents in Vietnam, so you can confidently participate in purchasing this insurance. However, you need to consider your needs and financial conditions carefully to choose the appropriate product.

Frequently Asked Questions

What are the main benefits of Bảo Việt Maternity Insurance?

Bảo Việt Maternity Insurance offers several benefits, including reimbursement for prenatal care, childbirth expenses, and coverage for pregnancy complications. Depending on the package, benefits can range from 21 million to 31.5 million dong per year.

What eligibility criteria must I meet for Bảo Việt Maternity Insurance?

To be eligible for Bảo Việt Maternity Insurance, individuals must be aged between 18 and 45 years old. Additionally, they must participate in one of the specified programs, such as the Diamond or Platinum package.

What is the waiting period for Bảo Việt Maternity Insurance claims?

The waiting period for childbirth claims is 635 days for individuals and 365 days for groups. For pregnancy complications, a waiting period of 90 days applies from the insurance contract's effective date.

Are pregnancy complications covered by Bảo Việt Maternity Insurance?

Yes, Bảo Việt Maternity Insurance covers pregnancy complications, including ectopic pregnancies and miscarriages. However, certain conditions like elective cesarean sections may not be covered unless medically indicated.

What is the premium cost for different Bảo Việt maternity packages?

The premiums for Bảo Việt Maternity Insurance vary by package. For example, the Platinum package costs 4.8 million dong per year, while the Diamond package costs 5.5 million dong annually.

What documents are required for Bảo Việt Maternity Insurance claims?

To file a claim with Bảo Việt, you need to provide a claim request, the insurance certificate, treatment documentation, and any relevant death certificates if applicable. All documents must be submitted within one year of the incident.

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