In the event that a customer unfortunately encounters an insured risk requiring medical treatment at a healthcare facility, they may choose one of the following two methods:
1. Hospital Fee Guarantee Service:
Customers visiting affiliated medical facilities are eligible for BIC’s Hospital Fee Guarantee Service. The procedure is as follows:
Step 1: Look up the list of affiliated medical facilities within BIC’s hospital fee guarantee network at https://mybic.vn/tien-ich/NETWORK_MEDICAL
Step 2: Complete the hospital fee guarantee procedure
- Upon hospital admission or outpatient consultation, the customer must present the following documents:
+ For Insured persons aged 18 or older: ID card (CMND/CCCD) or Passport.
+ For Insured persons under 18: Household registration book, birth certificate, or passport of the insured person, along with the ID card (CCCD) or identification document of their legal representative.
+ BIC Care insurance card (if available).
- The medical facility will contact BIC’s Claims Department directly to obtain the Hospital Fee Guarantee Certificate.
- Upon discharge or after medical examination/treatment:
+ The customer is not required to pay the medical facility for treatment costs covered by the insurance policy.
+ Sign to confirm the treatment and medical services received.
+ Pay for any medical costs not covered by the insurance policy (if applicable) or costs exceeding the insurance liability limit.
- Hospital fee guarantee service hours:
+ Monday through Saturday: 08:00 to 18:00 (no lunch break).
+ Closed on Sundays and public holidays (including Tet).
+ In the event of hospital admission during non-working hours, customers are requested to provide a deposit if required. Arrangements for the hospital fee guarantee service will be made on the next working day. The medical facility will refund the deposit to the customer prior to discharge.
2. Direct payment (without using the hospital fee guarantee service):
If customers visit non-affiliated medical facilities (provided they are legitimate medical facilities recognized by state authorities), they will not be eligible for BIC’s hospital fee guarantee service. In such cases, customers may choose one of the following two methods:
2.1. Online claim submission via the MyBIC app:
To submit an insurance claim via the MyBIC app, please follow these steps:
Step 1: Gather the required claim documentation.
Step 2: Download the MyBIC app from Google Play or the App Store.
Step 3: Select the “Report Loss/Health Insurance Claim” section, then attach medical records, financial invoices, and other relevant documents to submit the claim online.
2.2. Direct submission of the claim dossier:
- The customer pays for examination and treatment costs upfront.
- Gather the documents required for the insurance claim.
- Submit the claim dossier directly to BIC, or via EMS to the BIC branch that issued the policy or the nearest BIC branch.
- Fully complete the "Insurance Claim Form" and submit the claim dossier to BIC within 30 days of the treatment completion date.
- In cases where additional documentation is required, the missing documents must be submitted within 240 days of the final treatment date.
1. Hospital Fee Guarantee Service:
Customers visiting affiliated medical facilities are eligible for BIC’s Hospital Fee Guarantee Service. The procedure is as follows:
Step 1: Look up the list of affiliated medical facilities within BIC’s hospital fee guarantee network at https://mybic.vn/tien-ich/NETWORK_MEDICAL
Step 2: Complete the hospital fee guarantee procedure
- Upon hospital admission or outpatient consultation, the customer must present the following documents:
+ For Insured persons aged 18 or older: ID card (CMND/CCCD) or Passport.
+ For Insured persons under 18: Household registration book, birth certificate, or passport of the insured person, along with the ID card (CCCD) or identification document of their legal representative.
+ BIC Care insurance card (if available).
- The medical facility will contact BIC’s Claims Department directly to obtain the Hospital Fee Guarantee Certificate.
- Upon discharge or after medical examination/treatment:
+ The customer is not required to pay the medical facility for treatment costs covered by the insurance policy.
+ Sign to confirm the treatment and medical services received.
+ Pay for any medical costs not covered by the insurance policy (if applicable) or costs exceeding the insurance liability limit.
- Hospital fee guarantee service hours:
+ Monday through Saturday: 08:00 to 18:00 (no lunch break).
+ Closed on Sundays and public holidays (including Tet).
+ In the event of hospital admission during non-working hours, customers are requested to provide a deposit if required. Arrangements for the hospital fee guarantee service will be made on the next working day. The medical facility will refund the deposit to the customer prior to discharge.
2. Direct payment (without using the hospital fee guarantee service):
If customers visit non-affiliated medical facilities (provided they are legitimate medical facilities recognized by state authorities), they will not be eligible for BIC’s hospital fee guarantee service. In such cases, customers may choose one of the following two methods:
2.1. Online claim submission via the MyBIC app:
To submit an insurance claim via the MyBIC app, please follow these steps:
Step 1: Gather the required claim documentation.
Step 2: Download the MyBIC app from Google Play or the App Store.
Step 3: Select the “Report Loss/Health Insurance Claim” section, then attach medical records, financial invoices, and other relevant documents to submit the claim online.
2.2. Direct submission of the claim dossier:
- The customer pays for examination and treatment costs upfront.
- Gather the documents required for the insurance claim.
- Submit the claim dossier directly to BIC, or via EMS to the BIC branch that issued the policy or the nearest BIC branch.
- Fully complete the "Insurance Claim Form" and submit the claim dossier to BIC within 30 days of the treatment completion date.
- In cases where additional documentation is required, the missing documents must be submitted within 240 days of the final treatment date.
1. General documents:
Insurance claim form fully completed with information as required by BIC (not applicable if submitting the claim online).
- Identity documents of the Insured:
+ ID Card/Citizen Identity Card/Passport.
+ Birth certificate/Passport of the Insured and ID Card/Citizen Identity Card/Passport of the Insured’s guardian (if the Insured is a child under 18 years of age).
2. Other documents:
In addition to the general documents listed above, depending on the specific case, the Insured or their legal representative must collect the following necessary documents:
2.1. Outpatient treatment cases:
- Medical examination slip/Medical report/Medical record book/Prescription.
- Paraclinical test results (if any).
- Financial invoice.
- Detailed breakdown of medical examination and treatment costs.
2.2. Inpatient treatment cases:
- Hospital discharge summary;
- Surgery certificate/Surgical report (in case of surgery).
- Paraclinical test results (if any).
- Post-discharge prescription (if any).
- Financial invoice.
- Detailed breakdown of medical examination and treatment costs.
2.3. Accident cases: in addition to the documents specified in sections 2.1 and 2.2 above, the Insured or their legal representative must provide the following additional documents:
- Accident report/Investigation conclusion from competent authorities (if any).
- Valid driving license (if the Insured was involved in an accident while operating a vehicle with an engine capacity exceeding 50cc).
- Disability assessment report (in case of permanent disability).
Insurance claim form fully completed with information as required by BIC (not applicable if submitting the claim online).
- Identity documents of the Insured:
+ ID Card/Citizen Identity Card/Passport.
+ Birth certificate/Passport of the Insured and ID Card/Citizen Identity Card/Passport of the Insured’s guardian (if the Insured is a child under 18 years of age).
2. Other documents:
In addition to the general documents listed above, depending on the specific case, the Insured or their legal representative must collect the following necessary documents:
2.1. Outpatient treatment cases:
- Medical examination slip/Medical report/Medical record book/Prescription.
- Paraclinical test results (if any).
- Financial invoice.
- Detailed breakdown of medical examination and treatment costs.
2.2. Inpatient treatment cases:
- Hospital discharge summary;
- Surgery certificate/Surgical report (in case of surgery).
- Paraclinical test results (if any).
- Post-discharge prescription (if any).
- Financial invoice.
- Detailed breakdown of medical examination and treatment costs.
2.3. Accident cases: in addition to the documents specified in sections 2.1 and 2.2 above, the Insured or their legal representative must provide the following additional documents:
- Accident report/Investigation conclusion from competent authorities (if any).
- Valid driving license (if the Insured was involved in an accident while operating a vehicle with an engine capacity exceeding 50cc).
- Disability assessment report (in case of permanent disability).
3. In the event of death/disappearance: In addition to the documents specified in sections 2.1, 2.2, and 2.3 above, the Insured or their legal representative must submit the following additional documents:
- Death extract/Death notification.
- Court declaration of disappearance (in cases of disappearance).
- Will or Certificate of legal inheritance rights and authorization to receive insurance benefits (if applicable).
4. In the event of a claim for income support benefits during outpatient treatment: In addition to the documents specified in sections 2.1, 2.2, 2.3, and 2.4 above, the Insured must submit the following additional documents:
- Doctor's order for time off work for treatment.
- Timesheet, employment contract, and payroll records.
- Death extract/Death notification.
- Court declaration of disappearance (in cases of disappearance).
- Will or Certificate of legal inheritance rights and authorization to receive insurance benefits (if applicable).
4. In the event of a claim for income support benefits during outpatient treatment: In addition to the documents specified in sections 2.1, 2.2, 2.3, and 2.4 above, the Insured must submit the following additional documents:
- Doctor's order for time off work for treatment.
- Timesheet, employment contract, and payroll records.
5. Other documents as requested by BIC (if necessary).
- The information in this section provides only a general overview of claims procedures and does not constitute an admission of liability under the insurance policy.
If the medical facility provides electronic medical records (created, digitally signed, and stored online), please follow the steps below to submit them to BIC:
- The information in this section provides only a general overview of claims procedures and does not constitute an admission of liability under the insurance policy.
If the medical facility provides electronic medical records (created, digitally signed, and stored online), please follow the steps below to submit them to BIC:
- Access: Log in to the medical facility's website or mobile application.
- Download documents: Select and download digital medical records, such as prescriptions, test results, electronic invoices, etc.
- File format: Original data files in .pdf or .xml format are accepted.
- Submit documents: Send the downloaded electronic files directly to BIC for the fastest processing of your insurance claim.
Upon receipt of the insured's claim for insurance payment, BIC will send the following to the insured:
- A notification acknowledging receipt of the claim within 01 working day of receiving the request from the customer.
- A notification requesting the submission of any missing documents within 01 working day of receiving the claim from the customer.
- A notification regarding the proposed resolution within 05 working days of receiving the complete dossier.
- Payment to the customer within 01 working day of sending the notification regarding the proposed resolution.
- A notification acknowledging receipt of the claim within 01 working day of receiving the request from the customer.
- A notification requesting the submission of any missing documents within 01 working day of receiving the claim from the customer.
- A notification regarding the proposed resolution within 05 working days of receiving the complete dossier.
- Payment to the customer within 01 working day of sending the notification regarding the proposed resolution.
1. Contact the Health Insurance Claims Department at the nearest BIC member company between 8:00 AM and 5:00 PM, Monday through Friday.
2. Call the hotline at 19009456 for assistance, or contact the assigned BIC claims officer directly via their mobile or landline number.
2. Call the hotline at 19009456 for assistance, or contact the assigned BIC claims officer directly via their mobile or landline number.
| STT | Name of medical facility/pharmacy | Adressse | Tax identification number |
Province/City
|
|---|---|---|---|---|
| 1 | Dolife International Hospital | 108 Nguyen Hoang, My Dinh 2 Ward, Nam Tu Liem District, Hanoi | 0101455644552-005 | Ha Noi |
| 2 | Thai An General Hospital | 108 Nguyen Sinh Sac, Doi Cung Ward, Vinh City, Nghe An | 010145564455 | Nghe An |
MB04A - CN - 2026 - Insurance Claim Form ( Vietnamese)
MB04B - CN - 2026 - Insurance Claim Form ( Vietnamese)
MB16 - CN - 2026 - Incident Report
List of affiliated medical facilites
1
Download the Mybic app - BIC Insurance
- Download and install App MyBIC – BIC Insurance at Apple Store or Google Play
- Register/Log in to your account using the insured person's phone number
2
Create a claim
3
Loss declaration
- In the event of an accident, the Insured must immediately notify BIDV Insurance Corporation (hereinafter referred to as "BIC") by telephone—using the number listed on the Insurance Certificate—to receive instructions on how to handle the incident, or notify the nearest competent authority to have an official report drawn up (where necessary);
- Notify BIC in writing within 05 (five) days of the accident;
- Take all necessary measures to provide medical aid and to prevent or minimize any resulting loss;
- Refrain from admitting liability, agreeing to repair quotes, or reaching compensation agreements with other parties without BIC's consent;
Coordinate with BIC to determine and implement rescue and loss mitigation measures;
Note:
+ If the vehicle owner has purchased the "Choice of Garage" supplementary clause (Endorsement No. 01), the customer has the right to select the repair garage. In other cases, repairs must be approved by BIC; otherwise, the customer may be required to cover the cost difference between their chosen garage and the garage designated by BIC;
+ If the vehicle is repaired at a garage that has a cooperation agreement with BIC, BIC will issue a guarantee of payment up to the insured liability limit once repairs are completed and the vehicle owner has finalized the claim procedures and paid any cost difference (if applicable) exceeding the amount guaranteed by BIC to the repair garage;
- Fully discharge obligations regarding—and preserve BIC’s right of recovery against—third parties; - Complete and submit the claim dossier (as specified below) to BIC.
Claim dossier to be provided by the Insured:
- Motor vehicle insurance certificate, vehicle registration certificate, and technical safety and environmental protection inspection logbook (notarized photocopy or copy with the original presented for BIC staff verification);
- Driver's license of the person operating the vehicle at the time of the accident (copy with the original presented for BIC staff verification);
- Copy of the ID card of the person operating the vehicle at the time of the accident (if civil liability arises);
- Accident notification and claim request from the Insured (download the form from the "Forms" section);
- Copies of the police dossier (if the accident was handled by the police): scene diagram, scene examination report, and examination reports for vehicles involved in the accident; autopsy/forensic examination report (if any); settlement agreement (if any); traffic accident settlement record; investigation conclusion from the investigative police agency; court judgment/decision (if any)...; or a written request for confirmation of the incident from the driver involved in the accident, certified by competent authorities or local government (original copy);
- Documents regarding third-party liability (if applicable);
- Quotations, contracts, and invoices/vouchers related to vehicle recovery, repairs, and other related services;
- Cargo transport contracts and documents establishing the origin and value of the goods (if a third-party liability claim regarding the cargo arises);
- Documents related to bodily injury: medical records and other relevant documentation (if a claim for bodily injury compensation is made);
- Documents regarding the reservation of rights and subrogation to enable BIC to seek recovery from a third party (if the accident involved third-party fault);
- Other relevant documents (if requested by BIC).
- Upon receiving notification of the loss, BIC will dispatch its own personnel or appoint an independent surveyor to coordinate with the Insured and relevant authorities in handling the incident;
- Guide the vehicle owner in compiling the claim documentation;
- In cases of serious loss, BIC may consider providing the Insured with an advance payment to cover a portion of the costs for addressing the consequences of the incident;
- Settle the claim within a maximum of 15 days from the receipt of a complete and valid dossier, or within 30 days if verification of the documentation is required;
- Provide a written explanation to the Insured in the event that the claim is rejected;
- Carry out procedures for recovery from third parties, disposal of salvaged assets, etc.
- Guide the vehicle owner in compiling the claim documentation;
- In cases of serious loss, BIC may consider providing the Insured with an advance payment to cover a portion of the costs for addressing the consequences of the incident;
- Settle the claim within a maximum of 15 days from the receipt of a complete and valid dossier, or within 30 days if verification of the documentation is required;
- Provide a written explanation to the Insured in the event that the claim is rejected;
- Carry out procedures for recovery from third parties, disposal of salvaged assets, etc.
- Accident notification and claim form for losses under VND 20 million
- Accident notification and claim form for losses exceeding VND 20 million