May 2010
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Medical Insurance in Vietnam

Franco-Vietnamese Hospital in Saigon

Sometimes I get some really good tips in the comments section of prior posts from readers of my blog but they may get overlooked just because few people reread the older posts.  For instance, one of the pressing issues for expats that want to live in Vietnam is that of medical/health insurance.  I keep up with most of the popular expat blogs and forums and I don’t recall anyone really tackling this issue.

A reader named Mike asked about the availability of medical insurance in Vietnam in the comment section of my “How to get a 5 Year Visa Exemption” post and two of my blog readers were kind enough to answer this very question.  As I personally found it difficult to find someone that could point me in the right direction I thought the answers were important enough to include in a separate post.  Thank you for Anders from Expat.Vn and Royby for their replies!!

Anders recommends Bao Viet insurance:

“I use Bao Viet insurance for me an my staff, we are quite happy so far but then again we are all young and (pretty) healthy. I normally go to a small clinic on Dien Bien Phu St. when I have some problem and they have been better than my local clinic in Sweden so far when it comes to dealing with ear infections etc. And Bao Viet insurance has covered all meds and all visits without blinking so far. Bao Viet is also really cheap.”

I asked Anders how much the yearly premium was via email and he replied:

“I don’t really remember, but its something like $240/year. Honestly I am not 100% what it covers and what not, but for my needs its alright.”

And today another reader named Royby put in his own recommendation:

“I use Vien Dong Pacific for my medical insurance. They are a member of the Pacific Cross group of companies and are also known as Blue Cross Vietnam. I discovered them by visiting a couple of the clinics in town and asking who they would recommend for my insurance.

Their premiums are approx. half those of the Bao Viet group and to date I have had no problems with any claims I have made (although I’ve only made 3 claims). I have been with them now for 12 months.

I am currently 60 years of age so my premiums are getting up there but I am currently paying US$1,231.00 for maxi care inpatient and US$615.00 for outpatient for a comprehensive cover. I’m in the process of dropping the outpatient because I really only want to be covered for some disaster like a bad accident or serious illness that requires medical evacuation. Now that can be expensive!

Unfortunately though, after 65 even Blue Cross premiums will be way too expensive so I may be forced to either return to Australia where all of my medical is covered or continue to live here with no cover.

Does anybody know of an insurer who will cover you for a medical disaster only?”

In Conclusion:

As it is in the States….the premiums may vary drastically according to your age and current state of health.  Please contact the insurance companies directly for up to date quotes.  I would appreciate any other additional recommendations or clarifications regarding health care and medical insurance in Vietnam.  Again thanks to all the comments that add so much to this blog.

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8 comments to Medical Insurance in Vietnam

  • Sam

    Do any of you aunt have medical insurance?
    If yes, what company do they use?

    • odgnut

      No Vietnamese person that I know of actually buys health insurance. Basic medical care in VN is very inexpensive…for example, I had my foot X-rayed and bandaged at an emergency clinic for less than $10.

    • Hi guys! Nice too meet u. My name is Lan Anh Tran. I’m living and working in a non-life Insurance Agency in Hanoi rn. I think Vietnam is an exciting destination for working and discovering but i’m sorry that our public hospital system’s rll bad.Almost foreigners choose international hospitals. If you live in VN more than 6 months, you should buy Health care insurance. Coz the fee is not too much expensive as Medical charge and there have a lot of programs you can choose.

      Health care insurance brings you full coverage for medical charge in Vietnam or over the world, cost saving with a variety of deductibles options that suit to your pocket, free of choice of hospital and clinic network in your selected area of coverage. In Vietnam, they are top of International Hospitals like Vietnam-French, Vinmec, Hong Ngoc, Thu Cuc, Medelab, Family…
      For any quetions, please leave your comment! 🙂

  • Tam


    I have been in expat (and now vietnamese) medical insurance advice in Vietnam for almost 20 years now and there are many good and bad stories. The main thing about buying is not the price (what you pay) but the value (what you get for your bucks). the “stress test” is not when small bills comes in but when you need an evacuation + surgery/treatment in Singapore to cure you. Consulting independent advisors like us is free… get valuable information for free.

    Rates for start from 150$/year and up with the various insurers listed
    Buying direct to the insurer’s agent exposes you to biased information and decision. No after-sale service and the lawyers in Vietnam wont help you much because the law itself is nascent…

    Tam 0903732365

  • Peter

    Hello all,

    I have a question for a Vietnamese friend. How do people without insurance and without money can get badly needed medical treatment? Is there a government scheme for this or else maybe an NGO that caters for people in this situation? After all every doctor needs to swear the oath when graduating which states they are obliged to provide medical care to anyone who needs this. Are the y really prepared to let people die because they do not have money for the treatment?

    Any advice most welcomed!

  • Brian

    I have struggled with the Insurance problem for a month. For a while, I was very discouraged. At age 65, premiums vary by 100% and many companies will not cover me at all. Blue Cross Standard, Exec or Premier plans were the most affordable and I can make bi-annual payments. Quinn, at Tensing Pacific, an American English speaking xpat agent for Blue Cross made the process understandable. My guiding question was, ‘what do I need if I have an accident’? 🙂

    • Exactly! There havent lots of Insurance company cover for people over than 65 years old. But some high-grade programs still cover like AON, Intercare, etc…
      The problem is which company you choose

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