Bao Viet Insurance is one of Vietnam’s most established and trusted insurers, offering a wide range of health, life, travel, and property insurance products. With a nationwide presence and a reputation for affordability, it serves both local residents and expatriates seeking comprehensive coverage within Vietnam and across Asia.
✅ Pros
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Diverse Plan Options: Bao Viet offers tiered health insurance plans—Bronze, Silver, Gold, Platinum, and Diamond—allowing customers to choose coverage that fits their needs and budget.
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Affordable Premiums: Basic health insurance plans start from as low as 1,196,000 VND (~$47 USD) per year, making it accessible for individuals and families.
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Nationwide Network: With nearly 80 member companies and over 13,700 agents across all 63 provinces, Bao Viet ensures extensive support and accessibility.
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24/7 Customer Service: The BaoViet Direct app provides around-the-clock customer support, enhancing convenience for policyholders.
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Comprehensive Coverage: Plans can include inpatient and outpatient care, dental, maternity, and accident insurance, catering to a wide range of healthcare needs.
❌ Cons
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Limited International Coverage: While some plans offer regional coverage, comprehensive international coverage may require additional options or may not be as extensive as international insurers.
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Customer Service Variability: Some customers have reported dissatisfaction with after-sales service and staff responsiveness, indicating inconsistencies in customer care.
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Complex Claims Process: There have been mentions of bureaucratic procedures and delays in claims processing, which could be challenging for some policyholders.
💰 Pricing
Bao Viet’s health insurance premiums vary based on the selected plan and coverage level:
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Bronze Plan: Hospitalization coverage up to 40,000,000 VND/year.
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Silver Plan: Up to 60,000,000 VND/year.
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Gold Plan: Up to 100,000,000 VND/year.
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Platinum Plan: Up to 150,000,000 VND/year.
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Diamond Plan: Up to 200,000,000 VND/year.
Additional benefits like outpatient treatment, dental care, and maternity coverage can be added for an extra premium.
⭐ Overall Score: 8.4/10
Bao Viet Insurance stands out for its affordability, diverse plan options, and extensive network within Vietnam. While there are areas for improvement in customer service and claims processing, it remains a solid choice for individuals and families seeking comprehensive insurance coverage in Vietnam.
