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Expats in Vietnam often choose private health insurance to ensure access to high-quality care, with providers like Pacific Cross, Bupa, Luma, Cigna, AXA, April International, Morgan Price, William Russell, Allianz Care, and Vumi offering comprehensive coverage. These insurers provide a range of flexible plans designed to meet the specific healthcare needs of expats, from emergency medical services to routine treatments and medical evacuations.
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Private health insurance is a top choice for expats in Vietnam because it guarantees access to quality private clinics that offer Western-level care, shorter wait times, and English-speaking medical staff. With public hospitals often underfunded and having long waiting times, expats rely on private insurance to secure timely and efficient healthcare services.
So read on for the top 10 health insurance companies in Vietnam for expats–many of them even making our list of the top 10 international health insurance providers–and details of the plans they offer, then choose the plan that serves you best.
10 Best Health Insurance Options for Expats in Vietnam
The 10 best health insurance companies in Vietnam for expats are:
- Pacific Cross
- Bupa
- Luma
- Cigna
- AXA
- April International
- Morgan Price
- William Russell
- Allianz Care
- Vumi
Any of these respectable companies can, at a reasonable cost, enable you to use private healthcare in Vietnam, which boosts shorter wait times, English-speaking medical staff, and more. So let’s take a closer look at these insurers one by one so that you can make an informed decision.
Pacific Cross: Flexible Health Plans for Expats
Pacific Cross offers a variety of health insurance plans tailored for individuals, families, and expats. These plans are designed to be flexible and customizable, allowing individuals to select coverage that best fits their needs.
Most plans provide global coverage, though specific benefits may vary based on the geographic location. Options for country-specific coverage are available for those seeking lower rates. The plan details are as follows:
|
Plan |
Annual Coverage Limit | Room & Board |
Additional Benefits |
| Major Medical | Up to $1,000,000 | Semi-private room up to $350 per day (option for $1,000) | Organ transplant coverage up to $150,000 |
| Standard | Up to $2,000,000 | Semi-private in designated countries; private in ASEAN countries | Maternity benefit up to $6,250; 20% co-payment |
| Premier | Up to $500,000 | Private room in ASEAN countries; semi-private elsewhere | Maternity benefit up to $6,250; coverage for baggage and travel documents |
| Comprehensive | Up to $3,000,000 | Private room in ASEAN countries; semi-private elsewhere | Maternity benefit up to $6,250; outpatient benefits; accident coverage |
These plans further provide coverage for emergency medical expenses of USD $35,000, and personal accident benefits up to USD $500,000.
Bupa Global: Comprehensive Coverage for Expats
Bupa Global offers comprehensive health insurance plans designed to provide you with exceptional coverage and peace of mind, both at home and abroad. With Bupa Global, you gain access to a global network of specialists, and you can receive top-quality medical care without the need for a referral.
Bupa Global prioritizes customer well-being by offering preventive care, mental health coverage, and the option to cover pre-existing conditions depending on the policy terms. Details of the international health insurance plans from Bupa are as follows:
- Plan Availability: Bupa Global provides medical insurance plans for individuals, families, groups, and businesses.
- Plan Options: Bupa Global offers four plan options:
|
Plan |
Annual Benefit Limit (GBP £) |
Approximate Equivalence (USD $) |
| Major Medical | 2,500,000 | 3,174,200 |
| Select | 1,250,000 | 1,587,100 |
| Premier | 1,875,000 | 2,380,600 |
| Elite | 3,750,000 | 4,761,300 |
- Direct Billing: Bupa Global has an extensive network of healthcare providers and offers direct billing options, making it convenient for policyholders to access medical services without worrying about paying the bills first and claiming reimbursement later on.
- 24/7 Medical Help: Bupa Global provides access to 24-hour medical assistance through its Global Virtual Care service.
- Lifetime Renewal: Bupa Global offers lifetime renewal options, ensuring uninterrupted coverage.
- No Specialist Referrals: Bupa Global plans do not require specialist referrals, allowing policyholders to directly access specialized medical care.
- Second Medical Opinions: Policyholders can seek second medical opinions for their health conditions.
- Online Support: Bupa Global provides online support through MembersWorld, which allows policyholders to access insurance information and support conveniently.
Luma: Tailored Health Insurance for Expats in Vietnam
With a deep understanding of the challenges faced by expats, Luma provides tailored international health insurance plans for expats in Vietnam that provide comprehensive coverage and peace of mind.
Whether you are an expat individual, a family, or a company in Vietnam, Luma has a plan to suit your lifestyle and budget. Luma’s international health insurance for expats in Vietnam is available under three plans designed to provide comprehensive coverage and flexibility:
- Asia Care Premier: This plan comes with USD $100,000 in medical coverage and USD $2,000 in outpatient benefits per year. Standard private room is paid in full.
- Asia Care Pro: The annual medical cover can be up to USD $500,000, and annual outpatient benefits can be up to USD $5,000. You can further opt for dental, vision, and maternity coverage.
- Asia Care Plus Vietnam: Your annual medical cover can be as high as USD $1.6 million, and cancer treatments will be paid in full. Moreover, you will be entitled to direct billing (i.e. cashless visits) within Luma’s medical network. Medical evacuation and repatriation coverage is also included.
Whichever plan you choose, you’ll have access to Luma’s in-house international medical team of doctors for both first and second opinions.
Luma’s health insurance plans are available to both expats and Vietnamese citizens residing in Vietnam. Adults between 18 and 70 years of age can apply, and children below 18 years of age can be included in the policy of a parent.
Cigna Global: High-Quality Health Coverage for Expats
Cigna Global offers comprehensive international health insurance coverage in Vietnam, catering to the needs of expats and travelers. With health coverage from Cigna Global, access to quality healthcare services provided by English and French-speaking professionals is ensured.
Whether you’re an expat working abroad, a student, or a retiree enjoying your golden years in Vietnam, Cigna Global’s international health insurance plans can meet your specific requirements and ensure peace of mind. Cigna Global plans in Vietnam differ in features and limits:
- Plans Available: Cigna Global offers three main international health plans for individuals and families in Vietnam: Silver, Gold, and Platinum.
- Coverage: The plans provide worldwide coverage, including Vietnam. Clients may choose whether or not to include the USA in their coverage.
- Annual Benefit Limit: Silver Plan: USD $1,000,000 for Silver Plan, USD $2,000,000 for Gold Plan, and paid in full (i.e. unlimited) for Platinum Plan.
- Inpatient and Day-patient Treatment: All plans cover inpatient and day-patient treatment, including hospital stays and necessary medical procedures.
- Private Room: The plans include coverage for a private room during hospitalization.
- Additional Modules: Cigna Global offers optional additional modules that can enhance coverage based on individual needs. These modules include outpatient coverage, evacuation and crisis assistance, health and wellbeing, vision, and dental care.
- Full Cancer Care: All plans provide coverage for full cancer care, including diagnosis, treatment, and follow-up care.
- Inpatient Maternity (Gold and Platinum Plans): The Gold and Platinum plans offer coverage for inpatient maternity care, covering expenses related to childbirth and hospital stays.
- Newborn Care Cover (Silver Plan): The Silver Plan includes coverage for newborn care, ensuring the health and well-being of newborns.
A fourth plan, Close CareSM, is specifically for expats who need coverage only in their country of residence and their country of nationality. It features:
- An annual benefit limit of USD $500,000
- A condition limit of USD $250,000
- Inpatient and day-patient coverage
- Full cancer coverage
- Semi-private room accommodation
AXA: Trusted Health Insurance Solutions for Expats
AXA is your trusted partner for international health insurance plans in Vietnam. Whether you’re a foreign expat relocating to Vietnam for work or leisure, their comprehensive coverage ensures your healthcare needs are taken care of.
With a range of plan types and benefits tailored to your specific requirements, you can enjoy peace of mind knowing that you have access to quality medical services in both public and private healthcare facilities. Features of the AXA plans include:
- Plan Options: AXA offers five main international health insurance plans for expats, providing varying levels of coverage and benefits:
|
Plan |
Annual Plan Limit (USD $) |
| Foundation | 160,000 |
| Standard | 1,600,000 |
| Comprehensive | 2,400,000 |
| Prestige | 3,200,000 |
| Prestige Plus | 8,000,000 |
- Coverage Benefits: The coverage benefits included in AXA’s international health insurance plans may include:
- Inpatient hospital charges and surgeries
- Emergency care
- Medical evacuation and repatriation
- A wide range of cancer treatments
- Ambulance transport
- CT, PET, and MRI scans
- Dental care (not check-ups)
- Outpatient treatment, tests, and vaccinations (optional)
- Outpatient drugs and dressings (optional)
- Management of chronic conditions
- Eye tests and prescription glasses
- Routine pregnancy care
- Annual health checkups
- Personalized support from a multilingual team is available 24/7
- Easy online access to policy benefits and claims details
- Virtual Doctor Service: A virtual doctor service allows members to consult with doctors via video or phone.
- Focus on Health of the Mind: A mind health support platform connects members with qualified psychologists worldwide.
- Second Opinions: Members have the option to seek a second medical opinion from highly ranked medical professionals.
APRIL International: Customizable Plans for Expats
With MyHEALTH Vietnam from APRIL International, you have the freedom to personalize your coverage to suit your specific needs and budget. Whether you’re a Vietnam national, permanent resident, or foreigner, MyHEALTH Vietnam can provide you and your family with access to quality healthcare.
The main features and benefits of MyHEALTH Vietnam include the following:
- Flexibility: MyHEALTH Vietnam is designed to offer flexibility in coverage. It allows you to personalize your benefits and cover them according to your health needs and budget. You can even customize the plan for different family members.
- Coverage for All: MyHEALTH Vietnam is an international health insurance plan available to Vietnamese nationals, permanent residents, and foreigners residing in Vietnam.
- Easy Access to Quality Healthcare: APRIL International makes access to quality healthcare easy for policyholders with Vietnam-based multilingual customer support, and 24/7 unlimited TeleHEALTH and Second Medical Opinion services.
- Cashless Access to Hospitals: MyHEALTH Vietnam offers cashless access to hospitals globally, including a network of 4,500 medical facilities in Asia alone.
- Worldwide Coverage: You can choose from three coverage areas: Worldwide, Worldwide excluding the USA, or Europe and the Association of Southeast Asian Nations (ASEAN) excluding Singapore.
- Customizability: MyHEALTH Vietnam allows you to build the coverage you desire with modules. The core module is Hospital and Surgery, and optional modules include Outpatient, Maternity, and Dental/Optical.
- Three Levels of Coverage: You can select “Essential” with an annual limit from USD $100,000 to USD $500,000, “Extensive” with an annual limit of USD $1,000,000, or “Elite” which has an annual limit of USD $2,000,000.
- Reimbursement Options: You can choose your level of reimbursement to manage your premium. Deductibles and coinsurance options are available to tailor your coverage to your specific needs.
- Underwriting Methods: You can choose to disclose your full medical history in your application, become eligible for coverage after two years of treatment and a zero-symptom period, or keep your coverage under the same terms as your current health coverage.
- Digital Tools and Services: APRIL International provides market-leading digital tools so that you can manage your health and policy conveniently. These tools include the Easy Claim app for simplified reimbursement steps, telehealth services, doctor search, and useful contacts.
Morgan Price: Affordable Health Insurance for Expats
The Evolution Health Plan Asia Pacific from Morgan Price is tailored for expats living in Asia. Various levels of coverage are available. There are five plan levels:
|
Plan Level |
Annual Limit (GBP/USD/EUR) |
Home Country Cover |
| Standard | £/$/€500,000 | Excluding the USA |
| Standard Plus | £/$/€750,000 | Excluding the USA |
| Comprehensive | £/$/€1,000,000 | Excluding the USA |
| Premium | £/$/€1,500,000 | Excluding the USA |
| Elite | £/$/€2,000,000 | Excluding the USA |
Core benefits across all plan levels include:
- Inpatient and day-patient treatment
- Cancer coverage
- Emergency evacuation
- Out-patient consultations
- Routine health checks
In addition to Vietnam, this plan is also available to individuals residing in Cambodia, China (including Hong Kong, Macau, and Taiwan), Indonesia, Japan, Laos, Malaysia, Myanmar, Nepal, Philippines, Singapore, South Korea, Thailand, and Timor-Leste.
William Russell: Global Health Coverage for Expats
William Russell offers comprehensive coverage tailored to your specific needs. Whether you’re an expat, a digital nomad, a student, or a family living abroad, their plans provide you with peace of mind and excellent medical care wherever you are in the world.
With a wide network of over 40,000 hospitals globally and a range of benefits that cover hospital treatment, cancer treatment, outpatient care, mental health treatment, pregnancy and childbirth, dental care, and more, William Russell is dedicated to ensuring your health and well-being.
Here is a summary of the key features and coverage limits of William Russell’s international health insurance plans:
- Plan Options: The Bronze, SilverLite, Silver, and Gold Plans are offered:
|
Plan Options |
Bronze | SilverLite | Silver |
Gold |
| Annual Benefit Limit (USD $) | 1.5 million | 1.5 million | 2.5 million | 5 million |
| Hospital Costs | Covered | Covered | Covered | Covered |
| Cancer Treatment | Covered | Covered | Covered | Covered |
| Mental Health Treatment | Covered | Covered | Covered | Covered |
| Doctor Visits | Post-hospital | Covered | Covered | Covered |
| Pregnancy & Childbirth | Complications only | Complications only | Complications only | Covered |
| Medical Evacuations | Covered | Covered | Covered | Covered |
- Follow-up After Cancer Treatment: In addition to the consultations and treatments related to cancer, the William Russell plans will further cover restorative dental treatment after chemotherapy or radiotherapy, as well as reconstructive surgery.
- Cashless Access: Direct settlement of medical bills with over 40,000 hospitals around the globe means you don’t have to worry about coming up with the funds to pay the medical bills in the first place, and handling heaps of paperwork afterward when claiming reimbursement.
Allianz Care: Premium Health Insurance for Expats
Allianz Care offers specialized international health insurance plans specifically designed for Vietnam. With comprehensive coverage for in-patient and day-care treatments, Allianz Care ensures that you have access to quality healthcare services in Vietnam.
Whether you’re an individual, a professional, a student, or a family, Allianz Care can simplify and safeguard your healthcare needs in Vietnam. The main features of international health insurance for Vietnam from Allianz Care are as follows:
- Plans Offered: Allianz Care offers Vietnam Care, Vietnam Care Plus, and Vietnam Care Pro with maximum plan limits of USD $2,500,000, USD $4,000,000, and USD $5,000,000 respectively.
- Room Type: All plans offer coverage for a private room.
- In-patient/Day-care: Coverage includes in-patient and day-care treatments.
- Medical Evacuation: Where the necessary treatment is not available locally, the insured person will be evacuated to the nearest appropriate medical center, and hotel accommodation will be covered in case a return trip is not immediately possible after discharge from a medical perspective.
- Oncology: All plans cover in-patient, day-care, and outpatient cancer treatment, and personal oncology case manager services are included.
- Organ Transplant: Coverage is available for in-patient treatment.
- Nursing at Home: Nursing at home immediately after or in place of hospitalization is covered.
- Rehabilitation Treatment: In-patient, day-care, and outpatient treatment is covered, provided the treatment commences within 14 days of discharge after acute medical and/or surgical treatment.
- Preventive Surgery: Coverage for in-patient and out-patient preventive surgery is covered.
- Laser Eye Treatment: Coverage for laser eye treatment is available as an option.
- Accidental Death Benefit: Accidental death benefit is provided for insured members between the ages of 18 and 70.
- Global Health Services: This plan offers access to 24/7 multilingual support services, personal security information and advice, emergency security assistance and country intelligence, and health and wellness resources.
Vumi: VIP Health Insurance Plans for Expats
Vumi offers a range of international health insurance plans designed to cater to different needs. Here is a summary of the main features and limits of their various VIP plans:
- Absolute VIP: This plan provides comprehensive coverage for in-patient and out-patient treatment, including specialist consultations, surgeries, hospital stays, and prescription medications, with an unlimited annual maximum coverage. It also covers emergency medical evacuation and repatriation.
- Universal VIP: The Universal VIP plan offers coverage similar to Absolute VIP but with an annual maximum limit of USD $7,000,000. It also includes coverage for wellness check-ups, vaccinations, and preventive care.
- Special VIP: The Special VIP plan offers substantial coverage for in-patient and out-patient treatment, emergency medical evacuation, and repatriation. The plan has an annual maximum limit of USD $5,000,000.
- Special VIP Plus: This plan provides enhanced coverage compared to the Special VIP plan. It includes coverage for wellness check-ups, vaccinations, and preventive care, on top of comprehensive coverage for in-patient and out-patient treatment. The plan’s annual maximum coverage is USD $5,000,000.
- Access VIP: The Access VIP plan offers more affordable coverage while still providing essential benefits. It covers in-patient and out-patient treatment, emergency medical evacuation, and repatriation. The plan has an annual maximum coverage of USD $2,000,000.
- Access VIP Plus: This plan provides enhanced coverage compared to the Access VIP plan. It covers wellness check-ups, vaccinations, and preventive care, along with in-patient and out-patient treatment. The plan has an annual maximum limit of USD $2,000,000.
Frequently Asked Questions
What is the quality of healthcare like in Vietnam?
Public hospitals in Vietnam are often underfunded and inadequately equipped, with long waiting times and limited availability in rural areas. Private hospitals in major Vietnamese cities provide excellent standards of care, comparable to those found in many Western countries.
What are the major benefits of having international private health insurance in Vietnam?
The major benefits of having international private health insurance in Vietnam include access to excellent private hospitals with well-trained English-speaking doctors, shorter waiting times, and the option for medical evacuation and treatment outside of Vietnam if medically necessary.
How much does international private health insurance typically cost in Vietnam?
Based on our Cost of International Health Insurance Report 2023, the average premium of individual international private medical insurance (IPMI) in Vietnam was USD $4,522 in 2022, and for family IPMI it was USD $12,446.
Conclusion
In this article, we have offered our list of the top 10 health insurers in Vietnam and explained the key features of their offerings. We’ve also tried to help you choose by distinguishing them from one another. We trust you are now well-positioned to make the right choice for protecting your health.
However, good health insurers in Vietnam are by no means limited to these ten. When securing health insurance, or any type of insurance for that matter, the best strategy is always to engage a broker who knows the industry well and always treats your interest as their top priority.
Whether it’s international health, expat health, family health, maternity, travel, or other kinds of insurance, Pacific Prime has the in-depth knowledge and international experience to tailor a solution that meets your needs, fits your budget, and offers the best value for money.
What’s more, you can enjoy the benefit of our advice and support at no extra cost! So contact us for a consultation or quote, or a FREE no-strings-attached plan comparison today.
Many of our readers who are interested in Vietnam also like to explore other fast-developing economies like Mexico and Brazil. Are you one of them? If so, we recommend that you read up on the top health insurers in Mexico and the top health insurers in Brazil as well.
Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.
In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.
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