Health insurance for foreigners in Vietnam can be a bit tricky to navigate, with various options and coverage levels to choose from. Whether you’re here for a short stay or planning to settle in Vietnam long-term, having the right health insurance plan is crucial for peace of mind.
This comprehensive guide offers practical advice, compares both local and international health insurance options, breaks down costs, and explains what to expect from Vietnam’s healthcare system. We’ll also provide an honest look at the pros and cons of each option, along with expat tips and provider recommendations based on real feedback.
Why Health Insurance is Essential in Vietnam?
Vietnam’s public healthcare system is improving, but many expats prefer international hospitals and clinics for better standards of care and English-speaking staff. To ensure access to quality care and comply with Vietnam health insurance law, health insurance is essential for the following reasons:
- Quality Care Access: Gain entry to international-standard hospitals and avoid language barriers, ensuring the best care possible for your needs.
- Financial Protection: Safeguard against large, unexpected out-of-pocket costs, ensuring peace of mind during medical emergencies.
- Efficiency: Skip long queues and navigate administrative processes smoothly with the right coverage.
- Emergency Support: Ensure quick treatment and even medical evacuation if necessary, making your healthcare experience in Vietnam seamless and stress-free.
Having health insurance in Vietnam not only supports your quality of life but also aligns with the country’s health insurance regulations, ensuring you are well protected while living in Vietnam.
Types of Health Insurance Companies
| Local Focus | Regional Focus | International |
| Companies based in Vietnam with offices and claims processing within the country. Eligibility typically requires living in Vietnam for the majority of the policy year. | International companies with a strong presence across Southeast Asia and an office in Vietnam. Eligibility usually requires living in Vietnam for the majority of the policy year. | Global insurers without offices in Vietnam, focusing on expats who are mobile across various countries. Eligibility rules may vary. |
| Bao Viet, PG/PJICO, PTI, PVI, UIC, VietinBank Insurance, and more | April, Henner, Liberty, Luma, Pacific Cross, Safe Meridian, and more | CS, Allianz, April FR, AXA, Bupa, Cigna Global, Expacare, Healthcare International, IMG, IPH, PassportCard, Morgan Price, MSH, and more |
| Pros | Pros | Pros |
| – Most budget-friendly option. – Stable premiums, particularly for those without any claims. – Quick and easy sign-up process. – Strong network of direct billing in Vietnam. – Can process claims with Vietnamese language medical reports. | – Best value when considering coverage, cost, safety, and user experience. – More options for coverage and treatments outside of Vietnam. – Generally good customer service with quick resolution. – Periodic payment schedules are available. – Reasonable annual premium increases. – Guaranteed renewals. | – Highly reputable, long-term providers. – More likely to cover pre-existing conditions. – Portable policies, allowing you to keep the same coverage if you move to another country. – Guaranteed renewals. – Periodic payment schedules are available. – Reasonable annual premium increases. |
| Cons | Cons | Cons |
| – Coverage levels are generally low, including low annual limits. – Claims processing may be strict, especially in the first year or for pre-existing conditions. – Coverage typically has a 1-year waiting period for certain illnesses. – Limited or no direct billing outside Vietnam. – Requires an annual premium payment. | – Relatively strict about covering pre-existing medical conditions. – Annual premium increases can vary each year. – Limited direct billing outside Vietnam. | – More expensive. – Larger insurers may offer less personalized customer service, even at higher prices. – Vietnam market isn’t a priority for many global providers. – Premium increases may vary from year to year. |
What to Look for in a Health Insurance Plan for Foreigners
Choosing a health insurance plan in Vietnam can be overwhelming, but understanding key features can help you make an informed decision that suits your needs and lifestyle.
1. Coverage Network
A strong coverage network determines where you can receive care. Not all insurance plans are accepted everywhere, so it’s important to check which hospitals and clinics are within the provider’s network. For expats, international-standard facilities like FV Hospital (HCMC), Vinmec (nationwide), and Hanoi French Hospital are popular choices.
If your plan includes direct billing agreements with these hospitals, you won’t need to pay upfront for treatment, which brings us to the next point.
2. Direct Billing
Direct billing means the hospital or clinic bills your insurance company directly, so you don’t have to pay out-of-pocket and claim reimbursement later. This is incredibly convenient, especially for expensive procedures or emergency care.
How it works:
- You show your insurance card or digital policy number at the hospital’s reception.
- The hospital confirms with your insurer and provides treatment.
- You sign a form afterward, and the insurer pays the hospital directly.
Note: Always check in advance if a hospital supports direct billing with your insurer. Some clinics may still require upfront payment, especially for outpatient services.
3. Inpatient vs. Outpatient Coverage
Understanding the difference between inpatient and outpatient care is crucial:
- Inpatient care involves treatment that requires you to stay in a hospital overnight or longer. This includes surgeries, serious injuries, or illness needing observation.
- Outpatient care includes doctor consultations, lab tests, diagnostics, and treatments that don’t require a hospital stay.
Note: For complete protection, especially for families or individuals with chronic conditions, choose a plan that covers both inpatient and outpatient care.
4. Annual Coverage Limits
Most health insurance plans come with an annual maximum limit—the total amount the insurer will cover in one year. These can range from US$10,000 to over $1 million depending on your policy.
- Local plans tend to have lower limits (e.g., US$5,000 – US$20,000).
- International plans often cover US$100,000 or more annually.
If you suffer a serious illness or require surgery, a low coverage limit may not be enough. Always assess your risk tolerance and choose a plan that offers a safety net for unexpected high-cost events.
5. Emergency Evacuation
For those living in remote areas or traveling often within Southeast Asia, emergency evacuation coverage is a must. This benefit pays for you to be transported to a better-equipped facility—either in Vietnam or abroad—in case local care isn’t sufficient. Some plans even include medical repatriation, returning you to your home country if long-term treatment is needed.
Note: Evacuation services can cost thousands of dollars without insurance. Make sure this is part of your policy if you’re based outside major cities.
6. Add-ons and Specialized Coverage
Most plans offer optional add-ons that may or may not be relevant for your needs:
- Maternity – Often requires a waiting period (usually 10–12 months). Vital for expectant families.
- Dental – Covers cleanings, fillings, and in some cases, orthodontics.
- Vision – Eye exams, glasses, and contact lenses.
- Mental health – Growing in importance, but not always included in base plans.
Note: Not all providers offer the same level of coverage, so compare carefully. If you foresee needing any of these, it’s worth paying slightly more for comprehensive protection.
7. Pre-existing Conditions
A pre-existing condition refers to any illness or medical issue you had before purchasing your insurance policy. This can include diabetes, asthma, high blood pressure, or even previous surgeries.
- Some providers exclude these entirely.
- Others may impose waiting periods (e.g., coverage starts after 12 months).
- A few high-end international plans may cover them immediately—with higher premiums.
Note: Disclose any medical history honestly during your application. If you hide it and get sick, claims may be denied.
8. Claims Process
Nobody wants to wrestle with paperwork during a health crisis. Look for insurers with simple, transparent claims processes. Ideally, they’ll offer:
- A mobile app for submitting claims
- Fast reimbursement timelines
- Customer service in English
If you often visit smaller clinics without direct billing, quick reimbursement becomes more important.
9. Portability and Renewability
If you plan to live in multiple countries, check whether your insurance is portable—meaning you can take it with you when you leave Vietnam.
Also, confirm that your policy is renewable regardless of age or health changes. Some cheaper plans may not allow renewal once you reach a certain age or experience a serious illness.
10. Value vs Cost of Health Insurance in Vietnam
It’s tempting to choose the cheapest policy, but low premiums often come with limited coverage, high deductibles, or strict conditions. Consider:
- What’s your risk level?
- How often do you visit a doctor?
- Are you traveling often or staying put?
Expatriate Health Insurance Reviews
To give you a clearer picture of what to expect, we spoke with several expats living across Vietnam about their health insurance experiences. Here’s what they had to say:
Emma – British Teacher in Hanoi
“I started with my employer’s basic insurance, but after one visit to a public hospital, I upgraded to a personal plan with April International. I wanted access to Vinmec and direct billing—it’s worth every penny for the peace of mind.”
Tip: Even if your job offers insurance, always check the fine print. Emma’s employer plan didn’t cover outpatient care or major illnesses.
Jason – American Digital Nomad in Danang
“I was hesitant to get international insurance because of the cost, but I ended up needing surgery after a scooter accident. Having a health insurrance was indeed a life saver. They paid the hospital directly, and I didn’t have to stress about the bill.”
Tip: For active travelers or those on motorbikes, having strong emergency coverage is non-negotiable. Local plans may not fully cover accidents.
Linh – Vietnamese-American Retiree in Ho Chi Minh City
“I chose Bao Viet because it’s affordable and covers my basic needs. I mostly go to Vietnamese clinics, so I’m fine with paying upfront and getting reimbursed. I just make sure I have help translating paperwork.”
Tip: Local plans can be a good fit for retirees on a budget—just be prepared for some extra effort with claims and language support.
About Us
The Nest Asia is a one-stop resource offering comprehensive information, practical relocation advice, cultural insights, valuable connections, and trusted services to help expatriates living in Vietnam navigate the transition, overcome challenges, and build a fulfilling life abroad. Starting your journey in a new country can often feel overwhelming. The Nest Asia is your trusted partner – we’re here to simplify that process and ultimately make Vietnam feel like home for you and your loved ones.
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Disclaimer: The Nest Asia is not an authorized provider of official government or non-government services. The information provided is intended for general guidance only. While we strive to offer accurate and timely information, we make no representations or warranties regarding its completeness or accuracy.
