CONG TY CO PHAN BAO AN KHANG

C: 119 Vnh Hoi - Phng 4 - Quan 4 - TP. Ho Ch Minh

Tel: 08.39414171 - Fax: 08.39414170 - Email:
kinhdoanh@baoankhang.com.vn

SAN PHAM BAO HIEM SC KHOE VA TAI NAN

BO VIT CARE ( C NHN )
PHN I Tai nan

A. IEU KIEN THAM GIA:

Pham vi lanh tho: Viet Nam

Cong dan Viet Nam o tuoi t 18 tuoi en 65 tuoi.
Khong b tam than, thng tat vnh vien t 50% tr len trc
khi tham gia bao hiem.
Thi han hp ong: 1 nam.

B. QUYEN LI VA BIEU PH:

QUYEN LI BAO HIEM
Gii han a ly
T vong
PHA Thng tat toan bo
NA
vnh vien
Thng tat tng
phan vnh vien
Chi ph y te thc te
do tai nan trong
PHA
nam:
NB
Gom thuoc men,
nam vien, phau
thuat

SO TIEN
BO HIM
VN/Ngi/nm

Khach hang tuy

chon
T 20.000.000 VND
en 1.000.000.000
VND
20-60 triu
Tren 60-100 triu
Tren 100 200 triu
Tren 200-500 triu

PH BAO
HIEM /NGI
/NAM
Viet Nam

0.09% x So tien
bao hiem

0.80%
0.65%
0.55%
0.45%

STBH
STBH
STBH
STBH

Phan II : Sc khoe
A. OI TNG KHACH HANG:
- Cong dan Viet Nam, gii han tuoi t 12 thang tuoi en 65 tuoi.
- Khong b cac benh ly ve than kinh, tam than, phong, ung th,
thng tat vnh vien 50%.
- Gii han lanh tho: Viet Nam
- Thi han bao hiem: 1 nam

B. BANG QUYEN LI BAO HIEM: (n v tnh: VND)

I. DIU TR NI TR:
STT

Ni dung bo him
S tin bo him ti a

Nm vin:
- tin phng chung hoc ring
- phng chm sc c bit
- Phng cp cu
- Cc chi ph y t khc trong thi gian
nm vin
Phu thut:
- m bnh
- Cy ghp ni tng
(bao gm c phu thut trong ngy)

La chn 1

La chn 2

La chn 3

200,000,000

300,000,000

600,000,000

Chi ph thc t ti
a 3.000.000/ngy
v khng qu
60.000.000/nm

Chi ph thc t ti
a 5.000.000/ngy
v khng qu
100.000.000/nm)

Chi ph thc t ti a
10.000.000/ngy v
khng qu
200.000.000/nm

60.000.000

100.000.000

200.000.000

Cc quyn li khc

Chi Ph trc khi nhp vin (30ngayf

trc khi nhp vin)

3.000.000

5.000.000

10.000000

Chi ph iu tr sau khi xut vin (30

ngy k t ngy xut vin)

3.000.000

5.000.000

10.000000

Chi ph y t chm sc ti nh ngay sau

khi xut vin (ti a 15 ngy/nm)

3.000.000

5.000.000

10.000000

Tr cp nm vin (ti a 60 ngy/nm)

60.000/ngy

100.000/ngy

200.000/ngy

Phc hi chc nng

6.000.000

10.000.000

20.000.000

Dch v xe cu thng

60.000.000

100.000.000

200.000.000

Chi ph mai tng

2.000.000

2.000.000

2.000.000

QUYN LI BO HIM B SUNG

II. IU TR NGOI TR
1. Chi Ph khm bnh, tin thuc theo k
n ca bc s, chi ph cho cc xt
nghim, chp X-quang, siu m, chun
on hnh nh trong vic iu tr bnh
thuc phm vi bo him.
2.iu tr bng cc phng php vt l tr
liu, tr liu hc bc x, nhit, liu php
nh sang v cc phng php iu tr
khc tng t do bc s ch nh.

S TIN BO HIM/NGI/NM
6.000.000

10.000.000
20% x STBH/ ln khm
Gii hn 10 ln khm/nm

100.000/ ngy
Ti a 60 ngy/nm

20.000.000

3. iu tr rng bao gm:

- Khm, chp X.Q
- Vim nu, nha chu;
- Trm rng bng cht liu thng thng
nh amalgam, composite, fuji
- Co vi rng
- Nh rng bnh l (bao gm tiu phu)
III. Thai sn
(khng bao gm chi ph khm thai nh
k)
- Bin chng thai sn
- Sinh m
- Sinh thng
IV. Tr cp trong thi gian iu tr ni
tr do m au, bnh tt v/ hoc tai nn

20% x STBH/ nm
(trong co vi rng ti a 400.000/nm)

10.000.000

20.000.000

Chi tr theo chi ph thc t, ti a n s tin bo him

100.000/ngy ti
a 60 ngy/nm

V. Cht, tn tt ton b vnh vin do m,

bnh

200.000/ngy ti a
60 ngy/nm

1. CHNG TRNH CHNH - IEU TR NOI TRU:

La chon
Ph hang
nam
La chon 1
1,122,000
VND
La chon 2
1,516,000 VND
La chon 3
2,268,000 VND
2. PHAN BAO HIEM LA CHON:
a. Ngoai tru:

La chon 1
La chon 2
La chon 3

Ph hang
nam
1,200,000
2,000,000
4,000,000

b. Thai sn: (ch ap dung neu a mua phan ngoai tru)

La chon
La chon 1
La chon 2
La chon 3

300.000/ngy ti
a 60 ngy/nm

Theo la chn ti a 1.000.000.000/ngi/nm

C. PH BAO HIEM: (n v tnh: VND)

La chon

30.000.000

Ph hang
nam
2,000,000
3,600,000
4,500,000

c. Tr cp: 1% x STBH/ ngi/ nm

d. Cht, tn tt ton b vnh vin do m bnh : 0.2% x STBH/ ngi/ nm

D. THI GIAN CH:

Hp ong bao hiem co hieu lc boi thng sau thi gian ch di
ay tnh t ngay phat hanh hp ong:
- Trng hp om au benh tat: 30 ngay au tien tham gia vao n
bao hiem.
- Trng hp thai san: Th thai sau 12 thng.
- T vong do m au bnh tt: Sau 90 ngy tham gia n bo him.
- Benh co san: La bat ky mot tnh trang sc khoe nao cua
Ngi c bao hiem a c chuan oan; hoac a xuat hien
trieu chng khien cho mot ngi bnh thng phai i kham, ieu
tr; hoac do co tnh trang o ma chuyen gia y te a khuyen ngi
c bao hiem can phai ieu tr bat ke la Ngi c bao hiem
a thc s c ieu tr hay cha: 01 nam au tien tham gia n bao
hiem (khong ap dung cho Hp ong bao hiem t 50 ngi tr
len).
Benh ac biet : La cac benh ung th, u bu cac loai, huyet
ap, tim mach, viem da day, viem khp, viem gan ( A, B, C ), soi cac loai
trong he bai tiet, viem xoang man tnh, ai thao ng, hen phe quan,
viem than, ( khong bao gom nhng ca cap tnh can ieu tr y te khan
cap): 01 nam au tham gia n bao hiem ( khong ap dung cho Hp ong
bao hiem t 50 ngi tr len )
F. THI GIAN GIAI QUYET BOI THNG:
- Ho s boi thng di 100,000,000 VND: trong vong 10 ngay lam
viec.
- Ho s boi thng t 100,000,000 VND - 200,000,000 VND: trong vong
20 ngay lam viec.

G. IEU KHOAN AC BIET M RONG (Ap dung cho Cong ty)

1. ieu khoan bao hiem t ong khi co tang giam nhan s
2. Thoa thuan ac biet ve viec ng trc tien boi thng