Cigna Health Insurance in Vietnam: A Guide for Expats (2026)
Cigna offers expats in Vietnam their Silver, Gold, and Platinum plans for top-tier international health insurance coverage. Annual maximums range from USD $1,000,000 to unlimited, with benefits including extensive inpatient and outpatient coverage as well as evacuation and repatriation.
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Are you an expat looking for the best health insurance coverage for Vietnam? Are you looking for a simple breakdown of plans and prices from top-tier providers, like Cigna?
In this article, we will go over the benefits Cigna offers to expats in Vietnam. We’ll outline inpatient, outpatient, and evacuation benefits; explain direct billing options; detail Cigna’s strengths and weaknesses; and more. Read on to see if Cigna is the right provider for you.
Cigna Plans for Expats in Vietnam in 2026
Cigna has three international health insurance plans for expats in Vietnam—the Silver, Gold, Platinum plans. Alternatively, the Close Care plan includes coverage only in Vietnam and the expat’s country of nationality. Silver, Gold, and Platinum are more extensive but come with higher premiums.
The annual maximum for each plan is:
- Silver: USD $1,000,000
- Gold: USD $2,000,000
- Platinum: unlimited
- Close Care: USD $500,000
Cigna Inpatient Coverage in Vietnam
Cigna’s plans are highly praised for their inpatient coverage, with all three international plans covering inpatient and daypatient treatment in full for a private room. Even the Close Care plan covers all expenses but with a semi-private room.
Having inpatient coverage from Cigna opens the door for expats in Vietnam to access high-quality medical care without the hassle of waiting for availability at public institutions.
Public healthcare in Vietnam is known for having long wait times and no translation services, but Cigna’s plans allow expats to quickly get the care they need, even at top institutions like Vinmec International Hospital.
In the table below, we’ve detailed some of Cigna’s standard benefits across all of their plans.
| Cigna Health Insurance Plans: Standard Medical Benefits (USD) | ||||
| Coverage Benefits | Silver | Gold | Platinum | Close Care |
| Annual Limit Amount | $1,000,000 | $2,000,000 | Unlimited | $500,000 |
| Coverage Area | Worldwide | Worldwide | Worldwide | Country of residence |
| Inpatient and Daypatient Treatment | Paid in full for a private room | Paid in full for a private room | Paid in full for a private room | Paid in full for a semi-private room |
| Hospital Accommodation for Parent or Guardian | $1,000 | $1,000 | Paid in full | Not covered |
| Pandemics, Epidemics, and Outbreaks of Infectious Diseases | Paid in full | Paid in full | Paid in full | Paid in full |
| Accident and ER Treatment | $500 | $1,000 | $1,200 | Not covered |
| Transplant Services | Paid in full | Paid in full | Paid in full | Not covered |
| Advanced Medical Imaging | $10,000 | $15,000 | Paid in full | $2,500 |
| Rehabilitation | $5,000 | $10,000 | Paid in full | $2,000 |
| Ambulance Services | Paid in full | Paid in full | Paid in full | Paid in full (road only) |
| Out-of-Area Emergency Hospitalization | $100,000 | $250,000 | Paid in full | $40,000 (for temporary trips out of the country) |
Cigna Outpatient Coverage in Vietnam
Cigna’s outpatient benefits are available through the Silver, Gold, and Platinum plans. These benefits allow expats in Vietnam to seek medical care when hospital admittance isn’t necessary, whether they need a general practitioner consultation, maternity care, or even a prescription medication.
Cigna covers the costs for many outpatient rehabilitation services, including:
- Outpatient physiotherapy
- Outpatient occupational therapy
- Osteopathy and chiropractic treatment
- Speech therapy
- Cardiac and pulmonary rehabilitation
Here’s a detailed breakdown of some of the outpatient benefits available through Cigna:
| Cigna Health Insurance Plans: Outpatient Coverage Benefits (USD) | |||
| Coverage Benefits | Silver | Gold | Platinum |
| Annual Limit Amount | $15,000 | $35,000 | Paid in full |
| Consultations with Specialists and Medical Practitioners | $2,500 | $5,000 | Paid in full |
| Prescribed Drugs | $1,500 | $3,000 | Paid in full |
| Pathology, Radiology, and Diagnostic Tests | $2,500 | $5,000 | Paid in full |
| Outpatient Rehabilitation | $5,000 | $10,000 | Paid in full |
| Prenatal and Postnatal Care | Not covered | $3,500 | $7,000 |
| Infertility Investigation and Treatment | Not covered | Not covered | $10,000 per lifetime |
| Durable Medical Equipment | Paid in full | Paid in full | Paid in full |
| Adult Vaccinations | $250 | Paid in full | Paid in full |
| Child and Adolescent Wellbeing and Health | Paid in full | Paid in full | Paid in full |
| Hormone Replacement Therapy | $250 | $500 | $1,000 |
| Hearing Aids | $500 | $1,000 | $2,000 |
Cigna Evacuation Coverage in Vietnam
Expats in Vietnam can select extra evacuation coverage for their Silver, Gold, or Platinum Cigna plans. This benefit includes coverage for emergency transportation, repatriation to your home country, costs for compassionate visits, and global crisis services.
Medical evacuation is especially important for expats in Vietnam because access to sufficient medical treatment is not available in all areas of the country. If an expat requires transportation to more comprehensive facilities in Bangkok or Singapore, evacuation flights can cost USD $20,000 or more.
Here is a detailed breakdown of the evacuation benefits available through Cigna for each plan:
| Cigna Health Insurance Plans: Evacuation Coverage Benefits (USD) | |||
| Coverage Benefits | Silver | Gold | Platinum |
| Benefit maximum | Paid in full | Paid in full | Paid in full |
| Crisis Assistance Plus Program (through FocusPoint International) | Up to a maximum of two physical incidents per beneficiary | Up to a maximum of two physical incidents per beneficiary | Up to a maximum of two physical incidents per beneficiary |
| Medical Evacuation | Paid in full | Paid in full | Paid in full |
| Medical Repatriation | Paid in full | Paid in full | Paid in full |
| Repatriation of Mortal Remains | Paid in full | Paid in full | Paid in full |
| Compassionate Visit Travel Costs (up to a maximum of five trips per lifetime) | $1,200 | $1,200 | $1,200 |
Cigna Direct Billing in Vietnam
One of Cigna’s biggest benefits is that they offer direct billing (cashless treatment) in Vietnam for both inpatient and outpatient services. This means Cigna will pay the hospital or clinic directly so you do not have to pay the bill upfront and then seek reimbursement.
Cigna’s Silver, Gold, and Platinum plans all offer direct billing at top Vietnamese hospitals, including Vinmec International Hospital, FV Hospital HCMC, Family Medical Practice locations, and Hanoi French Hospital.
Strengths and Weaknesses of Cigna for Expats in Vietnam
Cigna is best for expats in Vietnam who want comprehensive global coverage with the added ease of direct USD billing and international services like English-speaking providers. Those looking for more budget-friendly options may prefer a regional insurer or public healthcare.
International health insurance is preferred by most expats because it offers comprehensive, bespoke plans that are portable across borders. In Vietnam, they grant expats the luxury of choosing from excellent facilities with services that cater to their unique needs of living abroad.
International health insurance comes with a higher price tag than local plans that cannot offer extensive worldwide coverage.
According to Pacific Prime’s Cost of International Health Insurance Report, individuals in Vietnam paid an average of USD $4,547 in 2024 for international health insurance, while families paid an average of USD $12,505. This comes from Pacific Prime’s proprietary data collected from real customers.
Expats who work in Vietnam and hold a temporary residence card are required to contribute to Vietnam’s Social Health Insurance (SHI) program, which in turn allows them to use public health facilities at a discounted rate. These services come with exclusions but do offer coverage for treatments including:
- Hospitalization
- Outpatient care
- Prescription drugs
- Maternity care
- Pathology
- Birth defects
Because public healthcare is the backbone of Vietnam’s healthcare system, it is often strained with overrun facilities. But for those who qualify for public care who do not need extensive care or the luxuries of worldwide coverage, public healthcare and regional options may be a better fit.
Frequently Asked Questions
What is the best health insurance for expats living abroad?
Cigna is known as one of the best international health insurance providers because of their excellent breadth of coverage and extensive medical network. Other top providers include NOW Health International, Bupa, GeoBlue, and Allianz, though the best plan depends on your budget and desired coverage.
Can foreigners get health insurance in Vietnam?
Expats can get international health insurance for Vietnam before ever entering the country. For many visas, verification of health insurance is required to enter the country. Expats who want to get public health insurance must first work in Vietnam to qualify.
Does Cigna provide direct billing in Vietnam?
Cigna offers direct billing at many of Vietnam’s top medical locations, including Vinmec International Hospital, FV Hospital HCMC, and Hanoi French Hospital.
Conclusion
Cigna offers expats reliable comprehensive care in Vietnam, making it easy to get care and bypass the wait times and other downfalls of the country’s public system. The Silver, Gold, and Platinum plans all offer worldwide coverage while the Close Care plan offers a more budget-friendly alternative.
If you’re still deciding, check out our article on the top 10 insurance companies in Vietnam for expats in 2026.
For those who are ready to compare quotes, use our free, no-obligation quote tool or talk to one of our professional brokers. They can help you get the best deal on a Cigna plan, compare other top providers like NOW Health International and Bupa, and more.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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