Bảo hiểm Bưu Điện - PTI

What Bảo hiểm Bưu Điện - PTI does

Bảo hiểm Bưu Điện - PTI operates baohiem-online.vn, an online insurance distribution platform headquartered in Hanoi, Vietnam, founded in 1998 with 69 employees. The company functions as an authorized digital channel of Bảo Việt Insurance (Tổng Công ty Bảo hiểm Bảo Việt), one of Vietnam's largest non-life insurers with over 50 years of operating history and a network spanning all 63 provinces and cities. Rather than underwriting risk itself, PTI's role is to aggregate, present, and distribute Bảo Việt's product portfolio through a digital storefront.

The product catalog covers five categories: (1) health insurance (Bảo Việt An Gia, Intercare with five-zone global coverage up to 10.5 billion VND, Tâm Bình budget tier, An Tâm Viện Phí hospital-fee plan, and K-Care cancer coverage); (2) travel insurance (domestic and international Flexi for visa compliance); (3) property insurance (apartments, private homes, rental offices); (4) motor insurance (compulsory third-party liability under Decree 67/2023/NĐ-CP, voluntary physical damage, and comprehensive auto bundles); and (5) accident and liability (Cologne Re high-limit accident, maternity rider, and employee compensation liability launching January 2026). Pricing tiers range from 3,000 VND/person/day domestic travel to over 100 million VND/year for top-tier global health coverage, with annual and per-trip billing cadences.

Revenue is generated through insurance premium collection and commissions on Bảo Việt products sold via the website, supplemented by phone, Zalo, email, and in-person referrals into Bảo Việt's branch network. Customer acquisition relies on SEO, content marketing, and social media (Facebook, TikTok, Twitter, LinkedIn), supported by seasonal promotional campaigns. Six payment gateway partners (Viettel Pay, VNPay, Momo, 123Pay, Payoo, VNPT CA) handle digital premium settlement. The company serves individual consumers, families, businesses, and foreign nationals visiting Vietnam, but no named enterprise logos or revenue concentration data are disclosed.

Name

Bảo hiểm Bưu Điện - PTI

Legal name

Bảo hiểm Bưu Điện - PTI

Website

https://baohiem-online.vn

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Authorized online insurance distribution platform (baohiem-online.vn) in Hanoi, Vietnam, selling Bảo Việt insurance products — health, travel, auto, property, accident, and liability — directly to consumers, families, businesses, and foreign nationals via a digital-first, multi-channel storefront with nationwide reach.

Ownership category

akta.pro rank

Product category

Online Insurance Distribution

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industry

Trip Cancellation/Interruption & Refund Protection Platforms (THALALAB)

Keywords

• Online insurance distribution
• Health insurance products
• Travel insurance policies
• Motor vehicle insurance
• Property insurance coverage

Headquarters

HQ city

Hanoi

HQ country

Vietnam

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Distribution: The company acts as an authorized online distribution channel for Bảo Việt Insurance products. Revenue is generated through insurance premium collection and commissions from Bảo Việt.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Bảo hiểm Bưu Điện - PTI operates baohiem-online.vn, an authorized online distribution channel for Bảo Việt Insurance, selling health, travel, accident, vehicle, property, cancer, and liability insurance products directly to Vietnamese consumers and businesses through a digital-first platform with multi-channel advisory support, nationwide home delivery, and ongoing claims guidance.

Product overview

Bảo hiểm Bưu Điện - PTI operates baohiem-online.vn as an online insurance sales platform offering a broad portfolio of insurance products from Bảo Việt (Bao Viet Insurance Corporation). The product lineup spans five core categories: (1) Health insurance — including Bảo Việt An Gia (individual/family health), Bảo Việt Intercare (global health with five zones up to 10.5B VND), Bảo Việt Tâm Bình (budget health), An Tâm Viện Phí (simple hospital fee with four tiers), and K-Care (cancer insurance); (2) Travel insurance — Bảo hiểm du lịch Quốc tế Flexi (international) and Bảo hiểm du lịch trong nước (domestic); (3) Property insurance — Bảo hiểm căn hộ chung cư, nhà tư nhân, văn phòng cho thuê (home/apartment/rental office); (4) Motor insurance — Bảo hiểm toàn diện ô tô (comprehensive auto), Bảo hiểm vật chất xe ô tô (physical damage), and Bảo hiểm trách nhiệm dân sự bắt buộc ô tô (compulsory third-party); and (5) Accident and specialty insurance — Bảo hiểm tai nạn con người Cologne Re (high-limit personal accident), Bảo hiểm y tế thai sản (maternity rider), and Bảo hiểm trách nhiệm Bồi thường người lao động (employer liability, launching January 2026). Products are distributed exclusively through online and direct channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Bảo Việt An Gia Health Insurance (Standard Package) Flexible individual and family health insurance covering hospitalization, surgery, illness, and accidents, with access to top-tier hospitals across Vietnam. Suitable for children, adults, and seniors seeking medical financial protection.
• Bảo Việt International Travel Insurance Flexi International travel insurance for Vietnamese citizens going abroad for tourism, business, conferences, family visits, or study, structured to meet embassy visa issuance requirements and provide medical and travel-risk protection.
• Medical Expense Insurance for Foreign Nationals Visiting Vietnam Medical expense insurance for foreign nationals traveling to Vietnam for tourism, business, or study, covering illness, accidents, and emergency care with up to 1 billion VND in benefits across four plan tiers, including Covid-19.
• Group Health Insurance for Businesses Group health insurance for Vietnamese companies and organizations covering inpatient treatment, surgery, and postpartum care with flexible benefits and optional riders, suitable for HR and employee benefit programs.
• Bảo Việt Motor Vehicle Physical Damage Insurance Voluntary physical damage insurance for private automobiles covering accidents, fire, theft, natural disasters, and related emergency costs, aimed at individual vehicle owners.
• Compulsory Third-Party Civil Liability Insurance for Motor Vehicle Owners Compulsory third-party civil liability insurance for motor vehicle owners, mandatory under Decree 67/2023/NĐ-CP, covering damages to third parties caused by the insured vehicle.
• Domestic Travel Insurance Domestic travel insurance for Vietnamese and foreign nationals traveling within Vietnam, covering accidents and emergencies on a per-trip basis with seven plan packages from 3,000 to 15,000 VND/person/day.
• Bảo Việt Tâm Bình Budget Health Insurance Budget-tier health insurance covering illness, maternity, accidents, death, and cancer for individuals, families, and organizations seeking affordable coverage.
• An Tâm Viện Phí (Simple Hospital Expense Insurance) Simple hospital expense insurance with four benefit tiers (Silver, Gold, Platinum, Diamond) covering inpatient care, surgery, and cancer without requiring submission of medical receipts at top hospitals in Vietnam.
• Cologne Re Personal Accident Insurance High-sum personal accident insurance with worldwide coverage and 12 program tiers (sum insured 20M-300M VND), designed for workers in high-risk environments such as construction sites.
• K-Care Cancer Insurance Cancer-specific insurance (K-Care) paying a lump-sum benefit upon first cancer diagnosis, covering early and advanced-stage cancer with hospital stay allowances across three program tiers.
• Property Insurance for Apartments, Private Homes, and Rental Offices Property insurance for apartments, private homes, and rental offices covering fire, explosion, storm, flood, theft, and water damage, with 1-5 year policy terms.
• Bảo Việt Intercare Global Health Insurance Global health insurance with five coverage zones (Vietnam, Southeast Asia, Asia, Worldwide excl. US/Canada, Worldwide) and benefits up to 10.5 billion VND, with optional outpatient, dental, maternity, personal accident, and life riders.
• Bảo Việt Comprehensive Motor Insurance Comprehensive motor insurance package combining compulsory third-party liability, driver and passenger accident coverage, and physical vehicle damage into a single bundled policy.
• Employee Compensation Liability Insurance Employer compensation liability insurance covering employer liability for work-related deaths, injuries, disability, and medical costs of employees, targeting Vietnamese employers and businesses to meet labor insurance obligations.

Quantifiable outcome

• Claims processing within 5-10 business days for valid claims
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Viettel PayminorChannel Partner/ Reseller/ DistributorDigital payment partner enabling customers to pay insurance premiums via Viettel Pay mobile wallet.
• VNPayminorChannel Partner/ Reseller/ DistributorDigital payment partner enabling customers to pay insurance premiums via VNPay payment gateway.
• MomominorChannel Partner/ Reseller/ DistributorDigital payment partner enabling customers to pay insurance premiums via Momo e-wallet.
• 123PayminorChannel Partner/ Reseller/ DistributorDigital payment partner enabling customers to pay insurance premiums via 123Pay service.
• PayoominorChannel Partner/ Reseller/ DistributorDigital payment partner enabling customers to pay insurance premiums via Payoo payment network.
• Bảo Việt Insurance (Tổng Công ty Bảo hiểm Bảo Việt)coreChannel Partner/ Reseller/ DistributorBảo Việt is the parent insurance company whose products baohiem-online.vn distributes as an authorized online channel. The platform sells Bảo Việt's complete insurance portfolio including health, travel, accident, vehicle, property, and specialized insurance.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• PJICO: Petrolimex-affiliated Vietnamese non-life insurer with a broad product portfolio including motor, property, and personal insurance. Operates in the same Vietnamese insurance distribution market with similar target customers across individual and commercial segments.
• Bảo Long Insurance: Vietnamese non-life insurance company offering motor, health, property, and personal accident insurance. Competes in the same domestic insurance market with comparable product offerings and customer base targeting Vietnamese consumers.
• Tổng Công ty Bảo hiểm Bưu điện (PTI): Vietnamese non-life insurance company with a similar name and 1998 founding date, specializing in P&C, motor, health, and personal insurance. Competes directly in the same Vietnamese non-life insurance market segments with comparable product categories and target customers.
• Liberty Insurance Vietnam: International non-life insurance carrier operating in Vietnam with motor, health, property, and travel insurance products. Competes in the same Vietnamese P&C insurance market with similar consumer and SME focus and overlapping distribution approach.
• Bảo Minh Insurance: Major Vietnamese non-life insurance company offering similar product lines including motor, health, property, travel, and personal accident. Competes for the same individual consumers and corporate customers in the Vietnamese P&C insurance market.
• PVI Insurance: One of Vietnam's largest non-life insurance companies with a broad product portfolio across property, casualty, motor, and health insurance. Competes directly in the same Vietnamese insurance market segments as the subject company with overlapping customer segments.
• MSIG Vietnam: International P&C insurer with Vietnam operations, offering motor, fire, personal accident, and travel insurance products. Competes in similar product categories and customer segments within the Vietnamese insurance market.
• Generali Vietnam: International insurance group operating in Vietnam with life and non-life insurance products. Competes for similar customer segments in health, accident, and motor insurance categories through both agency and direct distribution channels.
• Chubb Insurance Vietnam: Global insurance carrier's Vietnam operations offering P&C, accident, health, and travel insurance. Competes directly in the Vietnamese consumer and commercial insurance market with similar product breadth and digital distribution capabilities.

Broad incumbents

• Bảo Việt Holdings: Parent insurance corporation of the subject company and one of Vietnam's largest insurance groups with 50+ years of history. Operates the full insurance value chain (underwriting, distribution, claims) across life and non-life, and is the source of all products that baohiem-online.vn distributes.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/baohiembuudien

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bảo hiểm Bưu Điện - PTI