Allianz Health Insurance in Vietnam for Expats
Allianz’s Care International plan comes in three tiers for expats in Vietnam: Care, Care Plus, and Care Pro. Plan limits range from USD $2,500,000 to USD $5,000,000. With comprehensive plans and add-on options for repatriation, maternity care, and dental, Allianz is an affordable expat favorite.
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Are you trying to decide between top health insurance companies for expats in Vietnam?
In this article, we will outline what April International offers to expats in Vietnam. We’ll compare their offerings to those of other international insurers, explain direct billing options, and more. Read on to see if Allianz is the right provider for you.
Allianz Care International Plans for Expats in Vietnam in 2026
Allianz International’s Care plans are best for individuals and families moving to Vietnam. The Care plan has a max plan limit of USD $2,500,000, while the Care Plus has a max plan limit of USD $ 4,000,000. The Care Pro has a max plan limit of USD $5,000,000.
All Allianz Care plans come with the following core benefits paid in full, up to the annual plan maximum:
- Accommodation costs for one parent staying in hospital with an insured child under 18
- Day-care treatment
- Digital resources
- Emergency in-patient dental treatment
- Inpatient and day-care psychiatry and psychotherapy
- Inpatient and day-care treatment diagnostic tests
- Inpatient and day-care treatment physician and therapist fees
- Inpatient and day-care treatment prescribed drugs and materials
- Inpatient organ transplant
- Kidney dialysis
- Local ambulance
- Medical evacuation
- Nursing at home
- Oncology
- Palliative care
- Post-hospitalisation treatment
- Pre-hospitalisation tests
- Private room
- Rehabilitation treatment
- Second medical opinion
- Surgeries
Extra benefits are included in each of the core plans (Care, Care Plus, and Care Pro) but vary by plan.
On top of these core benefits, you can further customize your plan by personalizing your deductible to your budget and by adding on an extra outpatient plan, maternity plan, dental plan, or repatriation plan.
Digital tools from Allianz include their MyHealth app; Olive, their health and wellness hub; their Health Steps app; Travel Security Services, and their Expat Assistance Program (EAP). Here is a brief overview of each:
- MyHealth: Use this app to add or change your credit card and personal details, access your policy documents and membership card, submit and manage claims, get help from the 24/7 multilingual helpline, check symptoms, find providers and pharmacies, and more.
- Olive: Use this hub to find helpful guides on topics such as sleep, fitness, nutrition, and emotional wellbeing; online health assessments; a BMI calculator; monthly live health and wellness webinars from specialists.
- Health Steps: Use this app to get personalized guidance to help you reach your health and fitness goals. Make plans to lose weight, get better sleep, lower blood pressure, etc; join monthly health challenges; track your progress; and find articles on keeping a healthy lifestyle.
- Travel Security Services: Use this service to speak to a security specialist about safety concerns you have regarding a travel destination and to get alerts about high-risk events happening near you.
- Expat Assistance Program: Use this program to get professional help for workplace challenges, cultural transition and shock, coping with loneliness, addiction concerns, etc. Services include professional counseling, critical incident support, legal and financial and referral services.
Add-On Outpatient Plans from Allianz
Allianz offers expats in Vietnam three optional add-on outpatient plans: the Active, Active Plus, and Active Pro plans. All plans cover video consultations, medical practitioner fees, prescribed medications, specialist fees, and diagnostic tests in full. Other benefits come with limits by plan.
Add-On Dental Plans from Allianz
Expats can select optional add-on dental coverage through Allianz’s Smile and Smile Plus plans. The Smile plan comes with a maximum plan limit of USD $1,500 while the Smile Plus has an unlimited maximum.
- Dental Treatment: 100% refund for the Smile Plus plan and 80% refund for the Smile plan
- Dental Surgery: 100% refund for the Smile Plus plan and 80% refund for the Smile plan
- Periodontics: 100% refund for the Smile Plus plan and 80% refund for the Smile plan
- Orthodontic treatment and Dental Prostheses: 65% refund for the Smile Plus plan up to US$ 6,750 and 50% refund for the Smile plan
Periodontics, orthodontics treatments, and dental prostheses come with a ten-month waiting period.
Add-On Maternity Plans from Allianz
The Bloom and Bloom Plus maternity plans are available to expats in Vietnam who purchase either the Care Plus or CarePro core plans and who have also purchased the Outpatient add-on plan. Allianz maternity plans come with a ten-month waiting period.
Allianz Maternity Plans for Expats in Vietnam |
||
|---|---|---|
| Vietnam Bloom | Vietnam Bloom Plus | |
| Routine Maternity
(Includes inpatient and outpatient treatment) |
USD $6,750 per pregnancy | USD $13,500 per pregnancy |
| Complications of Childbirth
(Inpatient treatment) |
USD $13,500 per pregnancy | USD $20,250 per pregnancy |
Add-On Repatriation Plan from Allianz
Allianz’s Repatriation plan covers medical repatriation, USD $4,050 for someone accompanying a repatriated person, USD $2,700 in travel costs for insured family members in the event of a repatriation, and USD $2,025 for travel costs of insured members to be with a family member who may or has died.
Why Vietnam Expats Choose Allianz Care
Vietnam public hospitals often do not meet standards expats are familiar with in their home countries, so international health insurance that gives access to private facilities is preferable. Allianz is a top choice for expats who favor comprehensive care at a lower price than many other insurers.
Vietnam’s public hospitals are often underfunded and lack adequate equipment for optimal service. Wait times are also often very long, and doctors and staff generally only speak Vietnamese. Quality of care in rural areas is also much lower. These issues make most expats opt for private healthcare.
Allianz Care Costs
Allianz costs are generally lower than many other international health insurance providers. Basic plans can start as low as USD $1,500 for young healthy individuals. Costs are highly individual, but excluding the U.S. coverage from worldwide plans can drastically lower costs.
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.
See how Allianz’s estimated yearly averages stack up compared to Cigna and AXA.
International Health Insurance Price Comparison: Allianz vs. Cigna vs. Bupa (USD) |
|||
|---|---|---|---|
| Insurer | Age 30 (Annual Estimate) | Age 45 (Annual Estimate) | Age 60 (Annual Estimate) |
| Allianz International | $1,500–$2,000 | $2,000–$4,000 | $5,000+ |
| Cigna Global | $1,800–$2,800 | $3,200–$5,500 | $6,500–$9,000 |
| AXA | $1,500–$3,500 | $2,500–$6,000 | $4,500–$12,000+ |
Including coverage for the United States is much riskier for insurers, as U.S. healthcare is extremely expensive. Because of this, excluding U.S. coverage from an Allianz plan can reduce premiums by roughly 30% to 50%.
Please note that all insurance prices are highly individual, with costs depending on health history, plan selection, deductibles, copays, and more. For exact prices, please use our free quote tool.
Direct Billing and Filing Claims with Allianz International
Allianz has direct billing options at top facilities in Vietnam. Contact Allianz before your visit to secure a Guarantee of Payment (GOP), and always bring your membership card and your physical passport to the hospital.
Some of the top medical facilities in Vietnam where Allianz offers direct billing include:
When expats need to file a claim with Allianz, they can easily do so through the MyHealth app or the online portal. Claims generally take Allianz 48 hours to process, with many expats reporting they received payment within 24 hours.
Frequently Asked Questions
What is the best expat health insurance?
The best expat health insurance is dependent on your health history, location, and budget. International health insurance caters to expat needs by offering portable comprehensive care. Allianz, Bupa, and Cigna are some of the top providers for expats in Vietnam.
Is Bupa or Allianz insurance better?
Expats who want premium-level support and vast hospital networks traditionally prefer Bupa. Allianz offers more affordable prices.
Does Allianz have travel insurance?
Allianz offers both travel insurance and international health insurance for both short-term vacations and long-term expat moves.
Conclusion
Allianz is a top choice for expats in Vietnam who are on a budget but who still want exceptional, customizable international coverage. Their core plans of Care, Care Plus, and Care Pro offer great coverage, with add-on plans creating bespoke plans to meet each individual’s health and lifestyle needs.
If you’re still deciding between health insurers for your move to Vietnam, read our article on the top 10 insurance companies in Vietnam for expats in 2026.
To start comparing quotes, use our free quote tool or talk to one of our professional brokers. They can help you get the best deal on a plan, compare other top providers, 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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