Outstanding advantages
Payout up to VND 20 billion
Flexible allowances
Access to healthcare benefits
No health appraisal required
Easy enrollment at BIDV transaction offices nationwide
Product information
Product Information
- BIC Binh An Doanh Nghiep is a personal accident and healthcare insurance solution exclusively designed for Managers of businesses/organizations in Vietnam. The product helps businesses/organizations protect their leadership resources – a valuable asset to maintain the sustainable development of the business/organization.
- Note:
+ The product is provided by BIDV Insurance Corporation (BIC) to customers of Credit Institutions.
+ The website only provides general information and basic contents of the product. The scope of coverage, terms, conditions, and exclusions of insurance liability are specified in detail in the Insurance Contract / Certificate of Insurance issued by BIC.
Insured Persons
- Vietnamese citizens or foreigners legally residing in Vietnam, aged from 18 to 70 years old at the inception date of the insurance period.
- Managers of organizations legally operating in Vietnam (including: Public service agencies, enterprises operating under the Enterprise Law).
- The insured person is not suffering from permanent disabilities of 50% or more; not suffering from leprosy, mental illness, or other diseases resulting in the inability to perceive and control their behavior.
Requested Period of Insurance
- Participation period: Flexible according to the customer's needs.
- Insurance period: Maximum of 01 year.
Benefits and Maximum Sum Insured
- BIC provides 02 flexible options for organizations/businesses when participating in the BIC Corporate Binh An product, allowing organizations/businesses to proactively choose, including:
+ Option 01 – Comprehensive Corporate Manager Insurance, including Health & Accident Benefits and Healthcare Benefits.
+ Option 02 – Corporate Manager Health & Accident Insurance, including Health & Accident Benefits only.
- List of benefits and maximum sum insured / 01 Certificate of Insurance (*):
A. Health & Accident Benefits
Accident
1. Death, permanent total bodily disability due to accident; disappearance due to accident, natural disaster: VND 20 billion
2. Permanent partial bodily disability due to accident: VND 8 billion
3. Hospitalization allowance due to accident: VND 1 million/day (maximum 30 days/year)
4. Medical expenses due to accident: VND 40 million
5. Temporary disability due to accident: VND 100 million
Non-accident
6. Death, permanent total bodily disability due to special diseases, epidemics: VND 1 billion
7. Permanent total bodily disability due to diseases (excluding special diseases, epidemics) or death due to other causes: VND 1.6 billion
8. Hospitalization allowance due to disease (if chosen by the customer): VND 500,000/day (maximum 30 days/year)
6. Death, permanent total bodily disability due to special diseases, epidemics: VND 1 billion
7. Permanent total bodily disability due to diseases (excluding special diseases, epidemics) or death due to other causes: VND 1.6 billion
8. Hospitalization allowance due to disease (if chosen by the customer): VND 500,000/day (maximum 30 days/year)
Other Allowances
9. Comprehensive companion allowance: VND 200 million
10. Funeral expense allowance: VND 10 million
9. Comprehensive companion allowance: VND 200 million
10. Funeral expense allowance: VND 10 million
B. Healthcare Benefits
Accident
1. Death, permanent disability due to accident; disappearance: VND 200 million
2. Permanent partial bodily disability due to accident: Disability rate x Sum Insured
3. Medical expenses due to accident (including inpatient and outpatient): VND 200 million
Health
4. Medical expenses for inpatient treatment, surgery due to disease (excluding maternity): VND 2 billion
5. Medical expenses for outpatient treatment due to disease, maternity (including dental treatment, functional rehabilitation techniques, traditional medicine): VND 25 million
6. Death, permanent total disability due to disease, maternity; death due to unknown causes: VND 100 million
4. Medical expenses for inpatient treatment, surgery due to disease (excluding maternity): VND 2 billion
5. Medical expenses for outpatient treatment due to disease, maternity (including dental treatment, functional rehabilitation techniques, traditional medicine): VND 25 million
6. Death, permanent total disability due to disease, maternity; death due to unknown causes: VND 100 million
(*) The sum insured depends on the insurance benefit package chosen by the customer.
Waiting Period
A. Health & Accident Benefits
1. Accident: Not applicable
2. Special diseases: 60 days
3. Other cases: 45 days
B. Healthcare Benefits
1. Accident: Not applicable
2. Special diseases:
- Death, permanent total disability: 90 days
- Other benefits: 365 days
3. Pre-existing diseases: 365 days
4. Occupational diseases, epidemics: 90 days
5. Common diseases: 30 days
6. Death due to unknown causes: 90 days
7. Maternity:
- Childbirth or death, permanent disability: 270 days
- Maternity complications: 60 days
Registration Dossier
- Customers declare information and sign fully on the "Insurance Request Form" of BIC.
- No health appraisal is required prior to joining the insurance; insurance is issued immediately upon the customer's completion of registration.
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