TRAVEL INSURANCE FOR PERSONAL MEDICAL COVERAGE IN VIETNAM

Note About Travel Insurance

Please check the terms and conditions of your travel insurance policy carefully before riding a motorcycle in Vietnam. BaoViet travel insurance may not provide motorcycle coverage if you do not hold the required Vietnamese driving authorization. You may still be covered by the policy when you are not riding a motorcycle. Insurance requirements can vary between providers, so we strongly recommend confirming the exact requirements with your insurer before your trip.

To obtain a Vietnamese motorcycle driving license, foreign riders may need to provide relevant documents such as a valid visa or residence status, their home-country motorcycle driving license, and other supporting documents depending on their circumstances. Foreign documents may need to be translated into Vietnamese and certified at a notary office. The license conversion process can take several days. An International Driving Permit (IDP) issued under the 1968 Vienna Convention is recognized for driving in Vietnam, provided it is accompanied by the corresponding valid domestic driving license.

In practice, Offroad Vietnam does not normally require customers to show a driving license before joining our tours. However, this does not mean that a license is unnecessary. The main issue is your travel insurance and motorcycle coverage. If you are involved in an accident while riding without the license or authorization required by your insurance policy, your insurer may refuse to cover your medical or other expenses.

Some international insurance providers, such as CHI Insurance, World Nomads, and Allianz, have offered policies that may cover motorcycle riding without requiring a Vietnamese driving license, subject to their individual terms and conditions. Some policies may also cover larger-engine motorcycles. Always check the policy wording carefully and make sure your home-country motorcycle license and engine-size requirements are covered.

The good news is that an IDP issued under the 1968 Convention has been recognized for use in Vietnam since August 1, 2016, under Decree 46/2016/ND-CP. If you have a valid 1968 IDP, you may be able to obtain suitable motorcycle travel insurance coverage, including from providers that accept an IDP. You should also bring your valid home-country driving license with a motorcycle endorsement together with your IDP.

More Add-On Services Offroad Vietnam Adventure Travel Provides

In addition to travel insurance for personal medical coverage in Vietnam, Offroad Vietnam Adventure Travel provides a range of practical add-on services for Vietnam motorbike tours. These services can be arranged before your arrival or added to your tour to make your Vietnam motorcycle adventure easier and more convenient.

• Hotel room booking in Hanoi
• Airport transfers in Hanoi
• Vietnam visa on arrival (VOA)
• Support truck for motorbike tours
• Motorbike riding lessons in Hanoi

 

BAO VIET PERSONAL MEDICAL TRAVEL INSURANCE

How to Buy BaoViet Travel Insurance

To purchase BaoViet travel insurance, please download the Insurance Form, complete and sign it, then send us a copy in PDF or scanned format. Please also send us a copy of the photo page of your passport.

We will forward the completed documents to BaoViet, and they will issue your insurance certificate. You can collect the certificate and pay for the insurance when we meet you in Hanoi.

Why You Need BaoViet Medicare-Travel

Vietnam is generally considered a safe and welcoming destination, but unexpected situations can happen anywhere. Travel involves some uncertainty, so having appropriate personal medical travel insurance can give you and your family greater peace of mind during your trip.

The BaoViet Medicare Travel Program provides financial protection against a range of unexpected situations and events that may occur while travelling in Vietnam. Having suitable travel insurance coverage in Vietnam can help you deal with unexpected medical expenses and other covered travel-related problems.

Before purchasing any insurance policy, we recommend carefully checking the policy terms, exclusions, motorcycle coverage, medical coverage, and driving-license requirements to make sure the policy is suitable for your planned activities.

Who Protects You?

BaoViet is one of the largest and most established insurance companies in Vietnam, providing a range of insurance products for individuals and businesses.

The Eligible Insured

BaoViet travel insurance is available to foreigners travelling to Vietnam for purposes such as sightseeing, visiting friends and relatives, attending international conferences, seminars or congresses, participating in sports and competitions, artistic performances, and business or official missions.

The policy may also cover people who are already residing in Vietnam and travelling within the territory of Vietnam, subject to BaoViet’s applicable terms and conditions.

Age limit: 1 – 75 years old.

Scope and Period of Insurance

The maximum insurance period is 180 consecutive days for any one trip. For foreign visitors, insurance coverage begins when the insured person completes the entry visa procedure in Vietnam and ends when the insured person completes the exit visa procedure from Vietnam, subject to the terms of the policy.

For people residing in Vietnam, coverage begins when the insured trip starts and ends when the trip is completed according to the time and destination specified in the insurance policy.

Conclusion of Insurance

Once BaoViet has received and accepted the insurance proposal and payment, it will issue an insurance certificate for each insured person. This certificate serves as important evidence when making a travel insurance claim with BaoViet.

In the event of an emergency, BaoViet can also provide a Worldwide Emergency Card displaying the ISOS emergency assistance hotline number. The service is available 24 hours a day, 365 days a year, providing access to medical and travel assistance worldwide, subject to the policy’s terms and conditions.

Exclusions

BaoViet travel insurance does not cover losses, expenses, or claims arising from circumstances excluded under the policy, including:

• Any willful act of the insured person or their heir-at-law.
• Any risk, loss, or expense occurring outside Vietnam.
• Chronic diseases, pre-existing medical conditions, and other diseases specifically excluded or stated in the policy.
• Medical or other charges that exceed reasonable and customary costs.
• The cost of purchasing or replacing body organs, artificial organs, or prostheses, unless otherwise covered by the policy.
• Any costs associated with rest cures, recuperation, or convalescence.
• Treatment or expenses related to pregnancy, childbirth, or maternity, unless specifically covered.
• Any expenses incurred for mental illness or psychiatric disorders.
• Any other exclusions, limitations, or conditions specifically stated in the insurance policy.

Please read the complete BaoViet travel insurance policy terms and conditions carefully before purchasing coverage, as the exclusions above are only a summary. Coverage, exclusions, limits, and claim requirements are determined by the actual policy issued by BaoViet.

Benefits and Sum Insured (USD/EUR)

• We strongly recommend choosing Endorsements 1 & 3 when purchasing BaoViet travel insurance, as these additional options can provide broader protection depending on your needs.

For example, if you choose Plan A for 5 days, the basic premium is $US 11.48. Adding two endorsements costs an additional 20% of the basic premium for each endorsement:

$US 11.48 + 2 × (20% × $US 11.48) = $US 16.07

Therefore, the total premium for Plan A, 5 days, with Endorsements 1 & 3 is approximately $US 16.07.

Please check the current BaoViet policy schedule and endorsement terms before purchasing, as premiums and coverage may change.

Procedure for Claims

If you need to make a claim or require assistance under your BaoViet travel insurance policy, please follow the procedures below.

Step 1. Request for Assistance

For medical or travel assistance in Vietnam, please contact the appropriate assistance office:

• Ho Chi Minh City: 65 Nguyen Du, District 1. Hotline: +84 83 823 2429
• Hanoi: 31 Hai Ba Trung. Hotline: +84 43 934 0556

Step 2. Life-Threatening Situations

In a life-threatening emergency, the insured person or their representative should notify the emergency assistance company as soon as possible. Where immediate medical treatment is required, seek emergency medical attention first and contact the assistance service as soon as it is reasonably possible.

Step 3. Hospitalization Before Notifying the Emergency Assistance Company

If an injury requires hospitalization, the insured person or someone acting on their behalf must notify the emergency assistance company within 24 hours of the incident, whenever possible. Early notification allows the assistance company to coordinate with the hospital and provide the appropriate support according to the insurance policy.

Always keep your insurance certificate, passport, medical records, hospital bills, receipts, and other relevant documents, as these may be required when submitting a claim. Please also check the current BaoViet policy terms for the latest claims procedure and contact information.

Step 4. Claim Procedure

Notice of any insurance claim must be given to BaoViet within 30 days of the expiry of the policy, together with comprehensive supporting documentation and information relevant to the claim.

• Personal accident: A hospital or physician’s report describing the nature of the injury, the extent and period of disability, and police reports where relevant. In the event of death, a copy of the death certificate and relevant coroner’s report must also be provided.
• Medical expenses, emergency assistance, hospital cash allowance, cancellation charges, and trip curtailment: All relevant bills, receipts, tickets, coupons, contracts, and agreements supporting the claim. For claims relating to medical treatment, a full physician’s report should also be provided.
• Loss, breakage, or damage to baggage or personal effects, baggage delay, or loss of travel documents: Provide all relevant details and supporting receipts, including the date of purchase, purchase price, model, and type of items lost or damaged. For baggage lost or damaged during transit, provide a copy of the immediate notification made to the airline or carrier, together with their official written acknowledgment. Where applicable, also provide a certified copy of the immediate police report.
• Travel delay: Provide a certificate from the airline or relevant transportation company clearly stating the date, time, and reason for the delay.

Information Required to Buy BaoViet Travel Insurance

To arrange your BaoViet personal medical travel insurance, it is best to send us a clear copy of the photo page of your passport. We will use this information to prepare the insurance application.

Please provide:

• Full name:
• Passport number:
• Date of birth:
• Nationality:

Please keep all original receipts, medical reports, police reports, travel documents, and other supporting evidence related to your claim. The exact documentation and claim deadlines are subject to the BaoViet insurance policy terms and conditions applicable to your policy.

Forms, Terms of the Policy, and Benefit Table

For more information about BaoViet Medical Travel Insurance, please refer to the following documents:

• Terms of Policy
• Benefit Table
• Insurance Form

These documents provide important information about the insurance coverage, benefits, exclusions, conditions, and application procedure. We recommend reading the terms and benefit table carefully before purchasing the policy.

Contact us at [email protected] if you need more details about BaoViet Medical Travel Insurance in Vietnam, including the application procedure, coverage, and required documents.