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1
Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
2
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3
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4
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  • Term:
    Term: min 92 days, max 183 days
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    Interest rate: 10,95 - 14,6 %/per annum
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  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

Currently need to withdraw Baoviet life insurance but do not know the documents, procedures and regulations? In what cases can I receive compensation for life insurance?

Withdrawing or canceling life insurance policies is one of the issues many customers care about. So what is the procedure for withdrawing money from Baoviet life insurance ? What are Baoviet's current regulations on guaranteeing hospital fees or compensation?

Find out about Bao Viet life insurance

With 23 years of construction and development in Vietnam, Baoviet life insurance has been trusted by many people to build a solid financial plan, protect themselves and their families against unpredictable events.

Bao Viet Life is the first enterprise that laid the foundation for the development of life insurance services in Vietnam. Along with the continuous development in size and quality, Baoviet Life has become one of the prestigious and trusted brands to protect the health and build the future for the Vietnamese people.

Investing in Baoviet life insurance is essentially buying a savings investment package for the future and protecting the family's financial stability in the present.

In case of illness, the policyholder will be supported to pay for medical examination and treatment services. This helps the insured to share a lot of financial burden of medical examination and treatment.

In everyday life, we cannot anticipate all the risks that may come our way. If there is no risk, we can withdraw the funds according to the contractual agreement.

So now it's difficult, how to withdraw money from Baoviet life insurance , what are Baoviet insurance regulations ?

Conditions when withdrawing part of life insurance amount before maturity

Advance from account value

In case of economic difficulties, the policyholder can use the right to advance from the account value to secure finance when needed while still maintaining the protection benefits.

●    Conditions for advance are:

- Life insurance policy has a refundable value.

- Refund value after deducting Debt (if any) is greater than 0. That is, the refund value is positive including payment, bonus, interest after deducting the initial premium (illustrated). according to the table of benefits).

●    Note when making advance:

- The total advance value does not exceed 80% of the refund value after deducting debts (if any) at the time of requesting the advance.

- The interest rate applied to the advances is regulated separately in each period of the insurance units.

- In particular, insurance companies will have the right to recover the entire advance amount and accrued interest before any insurance benefits are paid out. Therefore, customers should also research carefully before making an advance decision.

- If the total amount of advance and debts of the policyholder is still greater than the refund value of the policy, the insurer will have the right to terminate the contract by itself. Therefore, the advance should also be calculated carefully, so as not to automatically cancel the life insurance policy, losing many benefits later.

However, if the customer makes an additional payment to make up for the advance, the benefits are still guaranteed in accordance with the contract.

Withdraw a part from the contract account value

To be able to withdraw a part from the contract account value, the customer makes a written request to the company and must meet the company's conditions for each product.

●    The required amount of each withdrawal should not exceed 80% of the actual cash value paid.

●    The required amount for each withdrawal is not less than the minimum withdrawal value prescribed by the company from time to time.

●    The remaining balance in the contract account value minus debts (if any) after withdrawal is not lower than the level prescribed by the company from time to time.

●    The insurance buyer must pay the fee for withdrawing the contract account value as prescribed.

Note: Life insurers, specifically Bao Viet Life, will have the right to limit or adjust the amount withdrawn from the policy account value. Therefore, consider carefully between the withdrawal amount and the protection benefits to make the best choice.

Withdraw the entire policy account value and cancel the life insurance policy

Withdrawing the entire policy account value is a form of premature cancellation of life insurance policies. And then the participant will permanently lose the protection benefits and the life insurance will not promote the full benefits for the participant. This is the most unlikely case, customers should consider and choose other options to ensure their benefits in the long term.

For this option, the refund value may be lower than the initial expectation and more importantly, the participant loses all benefits while not yet enjoying the benefits when paying for life insurance.

Below is the Bao Viet life insurance withdrawal procedure you can refer to.

Instructions for filing a claim for insurance benefits

A valid claim for settlement of insurance benefits

●    The information provided (if submitting the application online) or declared on the Request for settlement of insurance benefits (if submitting the traditional application) is complete, accurate and truthful;

●    Attached documents must be the original, a copy from the original book or a copy notarized by the district-level Justice Department or the commune-level People's Committee or the Notary Public/Notary Office.

Necessary documents

1. DEATH

- Excerpt of death declaration

- Medical records

+ Hospital discharge certificate/Certificate of treatment;

+ Examination book;

+ Medical record/summary of medical records;

+ Certificate of surgery;

+ Ultrasound results;

+ X-ray results;

- Accident records

The accident record; 

Conclusion of the police agency on the accident; 

- Set of insurance contracts

- Identity document of the claimant/recipient of insurance benefits (ID card/citizen identity card/passport)

- Legal documents proving the right to receive insurance benefits (Power of Attorney, Extract of guardianship registration...)

2. TRAFFIC

- Medical records

+ A certificate of the competent medical authority about the injury;

+ Medical record/Summary of medical record;

Certificate of surgery; 

+ Film, X-ray results.

- Accident records (if by accident)

+ The accident record;

+ Conclusion of the police agency on the accident;

- Ministry of Insurance Contracts

- Identity document of the claimant/recipient of insurance benefits (ID card/citizen identity card/passport)

- Legal documents proving the right to receive insurance benefits (Power of Attorney, Extract of guardianship registration...)

3. SURGERY, HOSPITAL

- Hospital checkout

- Surgical certificate

- Detailed list of hospital fees, Receipts/Invoices of hospital fees

- Medical record/Summary of medical record

- Film, X-ray results

- Identity document of the claimant/recipient of insurance benefits (ID card/citizen identity card/passport)

- Legal documents proving the right to receive insurance benefits (Power of Attorney, Extract of guardianship registration...)

4. SERIOUS Illnesses/Last-stage Poverty

- Medical records

+ Hospital discharge certificate/Certificate of treatment;

+ Medical examination book;

+ Medical record/summary of medical records;

+ Certificate of surgery;

+ Results of histopathology/cytology;

+ Results of ultrasound, X-ray, ...

- Accident records

The accident record; 

Conclusion of the police agency on the accident; 

- Ministry of Insurance Contracts

- Identity document of the claimant/recipient of insurance benefits (ID card/citizen identity card/passport)

- Legal documents proving the right to receive insurance benefits (Power of Attorney, Extract of guardianship registration...)

* Contact Bao Viet Life Insurance: *1166 or 1900 558899 branch number 4 

Latest regulations on Baoviet's hospital fee guarantee service

1. Regulations on Baoviet's hospital fee guarantee service

Currently, Baoviet has added some latest regulations on Baoviet's hospital fee guarantee service related to dental and oral treatment cases into specific insurance contracts such as:

+ For the cases of Insured patients with medical examination and treatment and dental treatment in Hanoi and Ho Chi Minh City. In Ho Chi Minh City, it will only be accepted to pay expenses incurred at clinics and hospitals that have an agreement or association with Baoviet. As for the case of customers using dental and oral examination and treatment services located outside of Hanoi and Ho Chi Minh City. In Ho Chi Minh City, it will be allowed to expand the payment of dental treatment costs at clinics with legal business and practice licenses.

+ Medical facilities that are not covered by Baoviet's hospital fee guarantee service are Cali dental - Address: 303C Cach Mang Thang Tam, Ward 12, District 10, City. Ho Chi Minh; Happy Dental Clinic – Address: 26 Ham Nghi, City. Danang; Nhat My 2 Dental Clinic – Address: 9 Vinh Hoi, Ward 4, District 4, City. Ho Chi Minh. In all cases where the Insured is treated at the above medical facilities, Baoviet will refuse to indemnify.

2. Some related definitions you should know

– How to understand the treatment / examination 1 time:

That is, the patient will be examined by a doctor, clinical examination, treatment drug, functional exploration, imaging or other diagnostic and probing procedures at the same legal medical facility for the purpose of examination, diagnosis and treatment of diseases.

In case a patient visits a specialist many times a day, it will be counted as 1 examination or in case more than one specialist doctor consults for a patient, it will also be counted as 1 medical examination. Particularly for the case where the patient needs to be examined by a number of other specialties in the same medical facility and in 1 medical examination, it is still only counted as 1 medical examination.

Pre-existing diseases:

Pre-existing disease means a pre-existing illness or injury from the time the policy is insured, or an illness or injury that requires treatment within 3 years or has symptoms before the time of signing the insurance policy. Therefore, in order to enjoy Baoviet's hospital fee guarantee service, you need to understand the specific regulations to understand your regulations and rights.

- Special diseases:

Special diseases are diseases such as blood pressure, cardiovascular disease, cancer, tumors of all kinds, chronic polyarthritis, stomach ulcer; hepatitis of all kinds, stones, hemorrhoids, uterus in the biliary and urinary system, sinusitis, cataracts, diabetes and other diseases related to the blood-regenerating system such as blood exchange, dialysis blood, hemodialysis.

It can be seen that the withdrawal of life insurance money in any form will affect the legitimate interests of the participants. Therefore, consider carefully before making a decision, so as not to destroy the future financial plans of both yourself and your family because of the immediate difficulties.

If you are in need of money but do not want to withdraw Baoviet life insurance , you should use the quick online loan option .

No need to withdraw Bao Viet life insurance money , still have money for consumption

CashBerry is a financial company, specializing in providing quick short-term loans during the day, only needing ID card/CCCD. Advantages of using CashBerry app to borrow money:

️⛳ EASY loan procedure: Quick loan of 3 million - 5 million - 10 million in 30 days, with only 3 steps to apply for a loan:

●    Step 1: Download the CashBerry app or visit the cashberry.vn website on your smart mobile device and complete the profile with the necessary personal information.

●    Step 2: After registration is complete, wait for loan approval for about 15 minutes. The appraiser will contact you to confirm the information and inform the loan approval amount.

●    Step 3: If the application is approved, you will be disbursed to your bank account immediately.

⛳ FREE appraisal: CashBerry only appraises loan documents. Customers do not need to appraise their home, workplace, nor proof of income can still borrow.

️⛳ Fast online loan: Thanks to the application of modern technology 4.0, the loan process on CashBerry is shortened to the maximum in terms of time. Fast loan approval in just 15 minutes, much faster than other traditional loan forms.

️⛳ Online loan with LOW interest rate: Interest rate is only from 0.9%/month.

️⛳ HIGH loan approval rate: According to statistics, 95% of customers who borrow through the CashBerry app are successfully approved, every time they register, they can get a loan.

Besides simple procedures, 100% online support, CashBerry also has a customer care team to help you 24/7. If you have any questions about the loan application process, you can contact hotline 1900 63 83 85 or send a message to Fanpage CashBerry - Everyone's financial friend for answers.

Hopefully, the above article has helped you better understand how to withdraw money and cancel Baoviet life insurance policy and Baoviet's new regulations. If you do not want to withdraw your life insurance in advance, you can choose to borrow money online fast! Sign up today to receive a discount!

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