AXA Health Insurance in Vietnam: Expat Plans & Options
AXA offers five international health insurance plans for expats in Vietnam: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. Annual maximums start at USD $400,000 and reach USD $8,000,000. Customize your core plan further with add-on options for outpatient and routine dental care.
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Are you trying to decide between top health insurers for expats in Vietnam? Are you unsure which AXA plan best fits your health needs and budget?
In this article, we will outline what AXA 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 AXA is the right provider for you.
AXA Plans for Expats in Vietnam in 2026
All AXA international health insurance plans allow expats in Vietnam to have customizable worldwide coverage that goes with them across borders. Local Vietnam providers can offer lower prices, but their coverage only works with a limited network in Vietnam.
All AXA international plans cover:
- Ambulance transport
- Cancer care
- CT, PET and MRI scans
- Emergency services
- Evacuation
- Hospital charges and surgery
- Mind health services
- Repatriation
- Second medical opinion
- Virtual doctor services
Here is a breakdown of AXA plan benefits that aren’t standard in all core plans:
AXA International Health Insurance Plan Comparison (USD) |
|||||
|---|---|---|---|---|---|
| Foundation | Standard | Comprehensive | Prestige | Prestige Plus | |
| Dental care (not check-ups) | No | Yes | Yes | Yes | Yes |
| Outpatient treatment, tests and vaccinations | Optional | Optional | Yes | Yes | Yes |
| Outpatient drugs and dressings | Optional | Optional | Yes | Yes | Yes |
| Chronic conditions | No | No | Yes | Yes | Yes |
| Eye tests and prescription glasses | No | No | Yes | Yes | Yes |
| Routine pregnancy cover | No | No | No | Yes | Yes |
| Annual health checks | No | No | Optional | Yes | Yes |
| Overall annual plan limit | $400,000 | $1,600,000 | $2,400,000 | $3,200,000 | $8,000,000 |
AXA Maternity Coverage for Expats
Maternity coverage is included with AXA’s Prestige and Prestige Plus plans and is not available as an add-on benefit for other plans. Cover is available up to USD $16,000 for Prestige and USD $19,200 for Prestige Plus, with pregnancy benefits being available only after an 18-month waiting period.
Benefits included in AXA’s maternity coverage include:
- Midwife and general practitioner care
- Ultrasound scans and testing
- Newborn baby checks
- Postnatal checkups
- Care around related medical conditions
- Antenatal and postnatal care
AXA’s maternity benefit also covers medical conditions that can occur during pregnancy and childbirth, such as ectopic pregnancies, eclampsia, postpartum hemorrhage, and miscarriage.
AXA Outpatient Coverage for Expats
Outpatient coverage comes included with AXA’s Comprehensive, Prestige, and Prestige Plus plans and is available as an upgrade on the Foundation and Standard plans. AXA’s outpatient coverage includes surgical treatment, consultation charges, physiotherapy, diagnostic tests, vaccinations, and more.
Why Vietnam Expats Choose AXA
Many expats moving to Vietnam choose AXA because the company offers so many customizable options, boasts a huge medical network of 1.9 million providers across 190 countries, features direct billing at top Vietnam facilities, and maintains a quick claims process.
These quality services and the five plan options available from AXA make them a flexible, bespoke provider for all types of expats, whether they’re looking for basic, budget coverage or extensive benefits with all the perks.
Why Do I Need International Health Insurance for Vietnam?
Vietnam public hospitals often do not meet standards expats are familiar with in their home countries. Most doctors and staff in public Vietnam hospitals also only speak Vietnamese, but international insurance offers more English-friendly options.
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.
Most international health insurance providers grant expats access to top private facilities in Vietnam and around the world, so you’re sure to get the medical help you need in moments of sickness or crisis.
International coverage like AXA’s plans also include medical evacuation. This is especially important in Vietnam, where quality of care varies widely across the country and where medical transportation to adequate facilities can be extremely expensive without the proper insurance.
AXA International Health Insurance Costs
AXA international health insurance prices range from around USD $1,500 for a basic plan for a young, healthy individual up to over USD $12,000 for a top-of-the-line plan for older individuals. This puts AXA largely in line with other international health insurance provider costs in Vietnam.
According to Pacific Prime’s Cost of International Health Insurance Report, individual expats in Vietnam paid an average of USD $4,547 in 2024 for international health insurance, while expat families paid an average of USD $12,505.
Take a look at the table below to see how AXA’s estimated yearly averages compare to other popular insurance providers for expats in Vietnam, Cigna and Allianz.
International Health Insurance Price Comparison: Allianz vs. Cigna vs. AXA (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 AXA 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 AXA
AXA has direct billing options at top facilities in Vietnam. Contact AXA 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 AXA offers direct billing include:
When expats need to file a claim with AXA, they can expect quick service: over 80% of claims submitted to AXA are processed and have the client paid in the first 48 hours after submission.
Frequently Asked Questions
Who has the best international health insurance?
The best international health insurance is highly personal, based on your budget, needed area of coverage, and lifestyle. AXA, Cigna, and Allianz are all popular choices for expats in Vietnam for comprehensive care with large medical networks.
How much does international health insurance cost per month?
International health insurance costs depend on your health history, provider, plan selection, deductibles, and copays. In Vietnam in 2024, individuals averaged USD $4,547 a year for coverage, which breaks down to about USD $379 a month.
Does AXA offer international health insurance?
AXA offers business, travel insurance, and individual and family insurance. Their international insurance offerings for individuals and families include worldwide coverage or worldwide excluding the USA.
Conclusion
AXA gives expats in Vietnam five core plans to pick from for customizable coverage across the country and around the world. Their direct billing agreements with top facilities in Vietnam make them an accessible choice, and their quick claims process solidifies AXA’s ease of use for expats.
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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