Top 10 Insurance Companies in Vietnam for Expats (2026)
Pacific Cross, Bupa, Luma, Cigna, AXA, April International, Morgan Price, William Russell, Allianz Care, and VUMI offer some of the best health coverage to expats in Vietnam in 2026. These insurers provide flexible plans designed to meet the specific healthcare needs of those living abroad.
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Private health insurance guarantees access to private clinics with Western-level care, shorter wait times, and English-speaking doctors. With public hospitals often underfunded, expats in Vietnam rely on private insurance to secure timely and efficient healthcare services.
This Pacific Prime article explores the top 10 health insurance companies in Vietnam for expats and details of the plans they offer to help you choose the plan that serves you best. Many of these companies have also made our list of the top 10 global health insurance providers
10 Best Health Insurance Options for Expats in Vietnam
The 10 best health insurance companies in Vietnam for expats are:
- Pacific Cross
- Bupa
- Luma
- Cigna
- AXA
- April International
- Morgan Price
- William Russell
- Allianz Care
- Vumi
At a reasonable price, these reputable companies can help you access private healthcare, which has shorter wait times, English-speaking doctors, and more compared to Vietnam’s public healthcare offerings. Let’s examine each insurer individually so you can make an informed choice.
Pacific Cross: Flexible Health Plans for Expats in Vietnam
Pacific Cross offers various health insurance plans tailored for individuals, families, and expats. These plans are designed to be flexible and customizable, allowing individuals to select coverage that best fits their needs.
Most plans provide global coverage, though specific benefits may vary based on the geographic location. Options for country-specific coverage are available for those seeking lower rates. The plan details are as follows:
| Plan | Annual Coverage Limit | Room & Board | Coverage Details |
| Major Medical | Up to USD $250,000 (Option to upgrade to USD $1,000,000) | Private room up to $350 per day | ✓ Inpatient treatments ✓ Emergency care ✓ Dental benefits ✓ Newborn coverage ✓ Travel benefits for trips up to 90 days |
| Standard | Up to USD $1,000,000 (Option to upgrade to USD $2,000,000) | Private room in ASEAN countries except Singapore; semi-private in E.U. Countries (except Germany), U.K., H.K., and N. America | ✓ Inpatient treatments ✓ Specialist visits ✓ Emergency care ✓ Dental and vision benefits ✓ Maternity and newborn coverage ✓ Travel benefits for trips up to 90 days |
| Premier | Up to USD $2,000,000 (Option to upgrade to USD $3,000,000) | Private room in ASEAN countries except Singapore | ✓ Inpatient treatments ✓ Specialist visits ✓ Emergency care ✓ Dental and vision benefits ✓ Maternity and newborn coverage ✓ Travel benefits for trips up to 90 days |
| Comprehensive | Up to USD $2,000,000 (Option to upgrade to USD $3,000,000) | Private room | ✓ Inpatient treatments ✓ Specialist visits ✓ Emergency care ✓ Dental and vision benefits ✓ Medical check-up and vaccinations ✓ Maternity and newborn coverage ✓ Travel benefits for trips up to 90 days |
Bupa Global: Comprehensive Coverage for Expats in Vietnam
Bupa Global offers comprehensive health insurance plans designed to provide you with exceptional coverage and peace of mind, both at home and abroad. With Bupa Global, you gain access to a global network of specialists, and you can receive top-quality medical care without the need for a referral.
Bupa Global prioritizes customer well-being by offering preventive care, mental health coverage, and the option to cover pre-existing conditions, depending on the policy terms. Details of the international health insurance plans from Bupa are as follows:
Bupa Global provides four medical insurance plans for individuals, families, groups, and businesses:
| Plan | Annual Benefit Limit (GBP £) | Approximate Equivalence (USD $) |
| Major Medical | £2,500,000 | USD $3,174,200 |
| Select | £1,250,000 | USD $1,587,100 |
| Premier | £1,875,000 | USD $2,380,600 |
| Elite | £3,750,000 | USD $4,761,300 |
- Direct Billing: Bupa Global has an extensive network of healthcare providers and offers direct billing options, making it convenient for policyholders to access medical services without worrying about paying the bills first and claiming reimbursement later on.
- 24/7 Medical Help: Bupa Global provides access to 24-hour medical assistance through its Global Virtual Care service.
- Lifetime Renewal: Bupa Global offers lifetime renewal options, ensuring uninterrupted coverage.
- No Specialist Referrals: Bupa Global plans do not require specialist referrals, allowing policyholders to directly access specialized medical care.
- Second Medical Opinions: Policyholders can seek second medical opinions for their health conditions.
- Online Support: Bupa Global provides online support through MembersWorld, which allows policyholders to access insurance information and support conveniently.
Luma: Tailored Health Insurance for Expats in Vietnam
With a deep understanding of the challenges faced by expats, Luma provides tailored international health insurance plans for expats in Vietnam that provide comprehensive coverage and peace of mind.
Whether you are an expat individual, a family, or a company in Vietnam, Luma has a plan to suit your lifestyle and budget. Luma’s international health insurance for expats in Vietnam is available under three plans designed to provide comprehensive coverage and flexibility:
- Asia Care Premier: This plan comes with USD $100,000 in medical coverage and USD $2,000 in outpatient benefits per year. A standard private room is paid in full.
- Asia Care Pro: The annual medical cover can be up to USD $500,000, and annual outpatient benefits can be up to USD $5,000. You can further opt for dental, vision, and maternity coverage.
- Asia Care Plus Vietnam: Your annual medical cover can be as high as USD $1.6 million with cancer treatments paid in full. Moreover, you will be entitled to direct billing (i.e., cashless visits) within Luma’s medical network. Medical evacuation and repatriation coverage is also included.
Whichever plan you choose, you’ll have access to Luma’s in-house international medical team of doctors for both first and second opinions.
Luma’s health insurance plans are available to both expats and Vietnamese citizens residing in Vietnam. Adults between 18 and 70 years of age can apply, and children below 18 years of age can be included in their parents’ policy.
Cigna Global: High-Quality Health Coverage for Expats in Vietnam
Cigna Global offers comprehensive international health insurance coverage in Vietnam, catering to the needs of expats and travelers. With health coverage from Cigna Global, access to quality healthcare services provided by English- and French-speaking professionals is ensured.
Whether you’re an expat working abroad, a student, or a retiree enjoying your golden years in Vietnam, Cigna Global’s international health insurance plans can meet your specific requirements and ensure peace of mind. Cigna Global plans in Vietnam differ in features and limits:
- Plans Available: Cigna Global offers three main international health plans, including Silver, Gold, and Platinum for individuals and families in Vietnam.
- Area of Coverage: The plans provide worldwide coverage, including in Vietnam. Clients may choose whether or not to include the USA in their coverage.
- Annual Benefit Limit:
- Silver: USD $1,000,000
- Gold: USD $2,000,000
- Platinum: Unlimited
- Benefit Details:
- Inpatient and Day-patient Treatment: All plans cover inpatient and day-patient treatment, including hospital stays and necessary medical procedures.
- Private Room: The plans include coverage for a private room during hospitalization.
- Full Cancer Care: All plans provide coverage for full cancer care, including diagnosis, treatment, and follow-up care.
- Inpatient Maternity (Gold and Platinum Plans): The Gold and Platinum plans offer coverage for inpatient maternity care, covering expenses related to childbirth and hospital stays.
- Newborn Care Cover (Silver Plan): The Silver Plan includes coverage for newborn care, ensuring the health and well-being of newborns.
- Additional Modules: Cigna Global offers optional additional modules, including outpatient, evacuation and crisis assistance, health and well-being, vision, and dental care that can enhance coverage based on individual needs.
A fourth plan, Close Care, is specifically for expats who need coverage only in their country of residence and their country of nationality. It features:
- An annual benefit limit of USD $500,000
- A condition limit of USD $250,000
- Inpatient and day-patient coverage
- Full cancer coverage
- Semi-private room accommodation
AXA: Trusted Health Insurance Solutions for Expats in Vietnam
AXA is your trusted partner for international health insurance plans in Vietnam. With a range of plan types and benefits tailored to your specific requirements, you can enjoy peace of mind knowing that you have access to quality medical services.
AXA offers five main international health insurance plans for expats, providing varying levels of coverage and benefits. The coverage benefits in AXA’s international health insurance plans may include:
- Inpatient hospital charges and surgeries
- Emergency care
- Medical evacuation and repatriation
- A wide range of cancer treatments
- Ambulance transport
- CT, PET, and MRI scans
- Dental care (not check-ups)
- Outpatient treatment, tests, and vaccinations (optional)
- Outpatient drugs and dressings (optional)
- Management of chronic conditions
- Eye tests and prescription glasses
- Routine pregnancy care
- Annual health checkups
- Personalized support from a multilingual team is available 24/7
- Easy online access to policy benefits and claims details
- Virtual doctor service
- Mind health support platform
- Second medical opinion
| Plan | Annual Plan Limit (USD $) |
| Foundation | USD $400,000 |
| Standard | USD $1,600,000 |
| Comprehensive | USD $2,400,000 |
| Prestige | USD $3,200,000 |
| Prestige Plus | USD $8,000,000 |
APRIL International: Customizable Plans for Expats in Vietnam
MyHEALTH Vietnam from APRIL International offers flexible coverage you can tailor to your needs and budget, giving you and your family access to quality healthcare in Vietnam.
The main features and benefits of MyHEALTH Vietnam include the following:
- Easy Access to Quality Healthcare: APRIL International makes access to quality healthcare easy with Vietnam-based multilingual customer support and 24/7 unlimited telehealth and second medical services.
- Cashless Access to Hospitals: MyHEALTH Vietnam offers cashless access to hospitals globally, including a network of 4,500 medical facilities in Asia alone.
- Worldwide Coverage: Choose from three coverage areas, including worldwide, worldwide excluding the USA, or Europe and ASEAN excluding Singapore.
- Customizability: MyHEALTH Vietnam allows you to build the policy you desire, beginning with the Hospital and Surgery core module, and enhancing your coverage with optional modules including Outpatient, Maternity, and Dental/Optical.
- Three Levels of Coverage:
- Essential: an annual limit of USD $100,000 or USD $500,000
- Extensive: an annual limit of USD $1,000,000
- Elite: an annual limit of USD $2,000,000
- Reimbursement Options: You can choose your level of reimbursement to manage your premium. Deductibles and coinsurance options are available to tailor your coverage to your specific needs.
- Digital Tools and Services: The Easy Claim app helps simplify reimbursement steps, telehealth services, doctor searches, and access to useful contacts.
Morgan Price: Affordable Health Insurance for Expats in Vietnam
The Evolution Health Plan Asia Pacific from Morgan Price is tailored for expats living in Asia. There are five different levels of coverage available, including Standard, Standard Plus, Comprehensive, Premium, and Elite:
| Plan Level | Annual Limit (GBP/USD/EUR) |
| Standard | £/$/€500,000 |
| Standard Plus | £/$/€750,000 |
| Comprehensive | £/$/€1,000,000 |
| Premium | £/$/€1,500,000 |
| Elite | £/$/€2,000,000 |
Core benefits across all plan levels include:
- Inpatient and day-patient treatment
- Cancer coverage
- Emergency evacuation
- Outpatient consultations
- Routine health checks
In addition to Vietnam, this plan is also available to individuals residing in Cambodia, China (including Hong Kong, Macau, and Taiwan), Indonesia, Japan, Laos, Malaysia, Myanmar, Nepal, the Philippines, Singapore, South Korea, Thailand, and Timor-Leste.
William Russell: Global Health Coverage for Expats in Vietnam
William Russell offers comprehensive coverage tailored to your specific needs. Whether you’re an expat, a digital nomad, a student, or a family living abroad, their plans provide you with peace of mind and excellent medical care wherever you are in the world.
William Russell is committed to your health and well-being, and they offer a global network of over 40,000 hospitals and benefits that cover hospital, cancer, outpatient, mental health, pregnancy and childbirth, dental, and more.
Expats can choose from their four varying plan tiers: Bronze, SilverLite, Silver, and Gold. The table below is a summary of the key features and coverage limits of William Russell’s international health insurance plans:
| Plan Options | Bronze | SilverLite | Silver | Gold |
| Annual Benefit Limit | USD $1.5 million | USD $1.5 million | USD $2.5 million | USD $5 million |
| Hospital Costs | Covered | Covered | Covered | Covered |
| Cancer Treatment | Covered | Covered | Covered | Covered |
| Mental Health Treatment | Covered | N/A | Covered | Covered |
| Doctor Visits | Post-hospital | Covered | Covered | Covered |
| Pregnancy & Childbirth | Complications only | Complications only | Complications only | Covered |
| Medical Evacuation | Covered | Covered | Covered | Covered |
April International also offers direct billing at over 40,000 network hospitals worldwide, so you don’t have to worry about paying medical bills or dealing with reimbursement paperwork.
Allianz Care: Premium Health Insurance for Expats in Vietnam
Allianz Care offers specialized international health insurance plans specifically designed for expats in Vietnam. With comprehensive coverage for inpatient and day-care treatments, Allianz Care ensures that you have access to quality healthcare services in Vietnam.
Whether you’re an individual, a professional, a student, or a family, Allianz Care offers three different core plans, including Care Base, Care Enhanced, and Care Signature, helping safeguard your healthcare needs in Vietnam.
The main features of international health insurance for Vietnam from Allianz Care are as follows:
- Annual Benefit Limit:
- Care Base: USD $1,350,000
- Care Enhanced: USD $2,700,000
- Care Signature: USD $5,000,000
- Benefit Details:
- Private room
- In-patient/day-care
- Medical evacuation
- Oncology
- Organ transplant
- Nursing at home
- Rehabilitation treatment
- Preventive surgery (excluding the Care Base)
- Laser eye treatment (only available with the Care Signature)
- Global health services, including 24/7 multilingual support services, personal security information and advice, emergency security assistance and country intelligence, and health and wellness resources.
VUMI: VIP Health Insurance Plans for Expats in Vietnam
VUMI offers a wide range of international health insurance plans designed to cater to different needs. Here is a summary of the main features and limits of their various VIP plans:
- Absolute VIP: Unlimited annual maximum
- The plan provides comprehensive inpatient and outpatient coverage, which includes specialist care, surgery, hospital stays, and prescriptions, and includes emergency evacuation and repatriation.
- Universal VIP: Annual maximum limit of USD $7,000,000
- The Universal VIP plan offers coverage similar to Absolute VIP and also includes coverage for wellness checkups, vaccinations, and preventive care.
- Special VIP: Annual maximum limit of USD $5,000,000
- The Special VIP plan offers substantial coverage for inpatient and outpatient treatment, emergency medical evacuation, and repatriation.
- Special VIP Plus: Annual maximum coverage of USD $5,000,000
- This plan provides enhanced coverage compared to the Special VIP plan. It includes coverage for wellness checkups, vaccinations, and preventive care, on top of comprehensive coverage for inpatient and outpatient treatment.
- Access VIP: Annual maximum coverage of USD $2,000,000
- The Access VIP plan offers more affordable coverage while still providing essential benefits. It covers inpatient and outpatient treatment, emergency medical evacuation, and repatriation.
- Access VIP Plus: Annual maximum limit of USD $2,000,000.
- This plan provides enhanced coverage compared to the Access VIP plan. It covers wellness checkups, vaccinations, and preventive care, along with inpatient and outpatient treatment.
Frequently Asked Questions
What is the quality of healthcare in Vietnam?
Healthcare quality in Vietnam is generally low in public hospitals but high in private facilities. While public hospitals are still developing, private hospitals in Hanoi and Ho Chi Minh City offer excellent care and are preferred by expats, with many internationally trained doctors.
What are the major benefits of having international private health insurance in Vietnam?
The major benefits of having international private health insurance in Vietnam include access to excellent private hospitals with well-trained English-speaking doctors, shorter waiting times, and the option for medical evacuation and treatment outside of Vietnam if medically necessary.
How much does international private health insurance typically cost in Vietnam?
According to Pacific Prime’s Cost of International Health Insurance Report 2024, the average premium for individual international private medical insurance (IPMI) in Vietnam in 2024 was USD $4,547, with family IPMI costing USD $12,505.
Conclusion
The top 10 health insurers in Vietnam are Pacific Cross, Bupa, Luma, Cigna, AXA, April International, Morgan Price, William Russell, Allianz Care, and VUMI, each offering varying levels and types of benefits to serve expats’ diverse needs.
However, good health insurers in Vietnam are by no means limited to these ten. When it comes to obtaining health insurance, the best strategy is to work with a broker who is well-versed in the industry and prioritizes your interests.
Whether it’s international health, expat health, family health, maternity, travel, or other kinds of insurance, Pacific Prime has the in-depth knowledge and international experience to tailor a solution that meets your needs, fits your budget, and offers the best value for money.
What’s more, you can enjoy the benefit of our advice and support at no extra cost! So contact us for a consultation or quote, or a FREE no-strings-attached plan comparison today.
Many of our readers who are interested in Vietnam also like to explore other fast-developing economies like Mexico and Brazil. Are you one of them? If so, we recommend that you read up on the top health insurers in Mexico and the top health insurers in Brazil as well.
With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.
In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.
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