{"id":30629,"date":"2026-08-03T23:11:11","date_gmt":"2026-08-03T15:11:11","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=30629"},"modified":"2026-08-03T23:11:11","modified_gmt":"2026-08-03T15:11:11","slug":"health-insurance-vietnam-americans","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/health-insurance-vietnam-americans.html","title":{"rendered":"Health Insurance in Vietnam for Americans"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Americans moving to Vietnam should secure international health insurance for optimal coverage, especially since Vietnam\u2019s public system is lower quality than U.S. healthcare. Adding U.S. coverage to international plans drastically increases premiums but is worth it for many Americans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you trying to decide <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/vietnam-health-insurance-pacific-prime-international\/\"><span style=\"font-weight: 400;\">what health insurance you need<\/span><\/a><span style=\"font-weight: 400;\"> for your move to Vietnam? Are you wondering if your home insurance will suffice or which providers are the best fit for you?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will cover why U.S. citizens moving to Vietnam should prioritize international coverage; outline and compare <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">top international health insurance providers<\/span><\/a><span style=\"font-weight: 400;\">; explain key plan considerations, like medical repatriation; and more.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Can I Use My American Health Insurance Abroad?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-30633 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-boats-dot-nha-trangs-calm-waterfront-beneath-a-mountain-framed-skyline.webp\" alt=\"Image of Colorful Boats Dot Nha Trang\u2019s Calm Waterfront Beneath A Mountain-framed Skyline with text overlay of &quot;Can I Use My American Health Insurance Abroad?&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-boats-dot-nha-trangs-calm-waterfront-beneath-a-mountain-framed-skyline.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-boats-dot-nha-trangs-calm-waterfront-beneath-a-mountain-framed-skyline-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-boats-dot-nha-trangs-calm-waterfront-beneath-a-mountain-framed-skyline-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-boats-dot-nha-trangs-calm-waterfront-beneath-a-mountain-framed-skyline-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-boats-dot-nha-trangs-calm-waterfront-beneath-a-mountain-framed-skyline-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Americans moving to Vietnam cannot use their healthcare from the United States abroad unless they have an international health insurance plan. Medicaid, Medicare, ACA marketplace plans, and other U.S. health insurance plans <\/span><a href=\"https:\/\/travel.state.gov\/en\/international-travel\/planning\/guidance\/insurance.html\"><span style=\"font-weight: 400;\">only provide coverage in the United States<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s important to note that expats who use Medicaid for their health insurance in the United States may also lose that coverage if they leave the country for more than 30 days, so choosing a plan that covers you in all stages of your move ensures you don\u2019t have any coverage gaps.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why U.S. Expats Should Purchase International Health Insurance in Vietnam<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/top-vietnam-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">International health insurance<\/span><\/a><span style=\"font-weight: 400;\"> offers U.S. expats comprehensive, bespoke plans that are portable across borders, so you can choose from excellent facilities in Vietnam and worldwide that cater to your unique needs living abroad. Public Vietnam plans may seem appealing, but it includes big drawbacks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">International health insurance providers like <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\"> make it easy for Americans to customize their options to their <\/span><a href=\"https:\/\/www.pacific-prime.cn\/en\/insurance-plans\/senior-citizen\/\"><span style=\"font-weight: 400;\">lifestyle<\/span><\/a><span style=\"font-weight: 400;\"> and budget while getting expat-focused benefits, like English-speaking providers or medical evacuation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medical evacuation is critical for expats in Vietnam: medical care is low quality or unavailable in some areas of the country. Paying for transportation to adequate facilities is very costly, but medical evacuation comes included in many international insurance core plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the benefits of international plans is that you can get direct billing, and direct billing is available from international insurers at the best hospitals in Vietnam, including <\/span><a href=\"https:\/\/www.vinmec.com\/eng\/\"><b>Vinmec International Hospital<\/b><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.fvhospital.com\/en\/\"><b>FV Hospital HCMC<\/b><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.vietnammedicalpractice.com\/\"><b>Family Medical Practice<\/b><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.hfh.com.vn\/en\/home\/\"><b>Hanoi French Hospital<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-24' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_5.jpg\" alt=\"blog banner asia 5\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The Reality of Vietnam Public Healthcare<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats who work in Vietnam and hold a temporary residence card must contribute to Vietnam\u2019s <\/span><a href=\"https:\/\/www.commonwealthfund.org\/international-health-policy-center\/countries\/vietnam\"><span style=\"font-weight: 400;\">Social Health Insurance<\/span><\/a><span style=\"font-weight: 400;\"> (SHI) program, which then <\/span><b>grants them access to public health facilities at a discounted rate, though there are exclusions.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Covered services under SHI include:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outpatient care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pathology<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Birth defects<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Employees pay 1.5% of their monthly salary for SHI coverage, while employers contribute 3.0%. Expats should note that if they lose their job with their Vietnamese employer, they will also lose their insurance coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because public healthcare covers at least 93% of Vietnam residents, facilities are often overrun, and standards often fall below U.S. medical standards. Public hospitals and medical centers are extremely crowded, with extensive wait times and sometimes less-than-ideal treatment options.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Large urban areas provide the best public medical care, but even top-tier public institutions do not have English-speaking doctors or other expat-focused services.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The cost of healthcare in Vietnam may seem much more reasonable to American expats who are used to steep prices, but even Vietnamese care adds up quickly without proper insurance.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-23' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_4.jpg\" alt=\"blog banner asia 4\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Key Insurance Considerations for Americans Moving to Vietnam<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">American expats who are choosing their plan for Vietnam should consider the cost of including United States coverage, USD billing and direct billing, medical repatriation, and tax implications in addition to general considerations such as budget, health history, and add-on benefits.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The Cost of Including United States Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Adding U.S. coverage to an insurance plan is the single biggest driver in your premium. Excluding U.S. coverage is standard for most insurance plans and reduces premiums by about 30\u201350%. <\/span><b>Adding U.S. coverage is costly enough to insurers that they may increase premiums by 50%<\/b><span style=\"font-weight: 400;\"> or more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">According to Pacific Prime\u2019s <\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2024\"><span style=\"font-weight: 400;\">Cost of International Health Insurance Report<\/span><\/a><span style=\"font-weight: 400;\">, individuals in Vietnam paid an average of <\/span><b>USD $4,547<\/b><span style=\"font-weight: 400;\"> in 2024 for international health insurance, while families paid an average of <\/span><b>USD $12,505.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance providers gauge the risk of covering healthcare in each country or region, with coverage in the U.S. being the most expensive. The Cost of International Health Insurance Report showed the average individual cost for <\/span><b>U.S. insurance rose 56%<\/b><span style=\"font-weight: 400;\"> from USD $9,817 to USD $15,296 from 2023 to 2024.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">American expats moving abroad must decide whether they need and want coverage to return home to or whether the cost increase is worth the adding weight in their budget.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-22' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_3.jpg\" alt=\"blog banner asia 3\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">USD Billing and Direct Billing<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Choosing a plan that is based in USD billing helps you avoid currency swings in your international insurance. Especially when filing claims, having USD billing helps to ensure you don\u2019t have any financial losses in exchange estimations.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Direct billing drastically simplifies plans and your mental load by covering the cost of care upfront. Without direct billing, expats are often required to pay for the cost of treatment and then receive reimbursement through the claims process.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Top providers like those mentioned below all have direct billing agreements with the best hospitals in Vietnam.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Medical Repatriation<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Medical repatriation is sometimes offered in tandem with medical evacuation coverage or may be available through optional add-on coverage. This benefit covers the cost of transporting you back to the U.S. for ongoing or long-term medical care after significant injury, surgery, or illness.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Tax Implications<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">U.S. expats who are self-employed in Vietnam may qualify for the <\/span><a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-7206\"><span style=\"font-weight: 400;\">U.S. Self-Employed Health Insurance Deduction<\/span><\/a><span style=\"font-weight: 400;\">, which lowers health insurance premiums. The <\/span><a href=\"https:\/\/www.irs.gov\/individuals\/international-taxpayers\/foreign-earned-income-exclusion\"><span style=\"font-weight: 400;\">Foreign Earned Income Exclusion<\/span><\/a><span style=\"font-weight: 400;\"> (FEIE) has strict guidelines, so consider using the <\/span><a href=\"https:\/\/www.irs.gov\/help\/ita\"><span style=\"font-weight: 400;\">IRS Tax Assistant<\/span><\/a><span style=\"font-weight: 400;\"> to verify qualification.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most international health insurance policies do not comply with High-Deductible Health Plan (HDHP) regulations. This means that American expats can still use their HSA tax free, but they will not be able to contribute pre-tax money to their HSA account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We recommend consulting with a tax professional for personalized advice.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-21' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_2.jpg\" alt=\"blog banner asia 2\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Top Three Health Insurance Providers for Americans Moving to Vietnam<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The top three international health insurance providers for American expats in Vietnam are <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><b>Cigna<\/b><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><b>Allianz<\/b><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><b>AXA<\/b><\/a><span style=\"font-weight: 400;\">. Each offers direct billing, flexible coverage, and medical evacuation and repatriation options.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below is an estimated price comparison of these providers:<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th colspan=\"4\">\n<h2><span style=\"font-weight: 400;\">International Health Insurance Price Comparison: Allianz vs. Cigna vs. AXA (USD)<\/span><\/h2>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><b>Insurer<\/b><\/td>\n<td><b>Age 30 (Annual Estimate)<\/b><\/td>\n<td><b>Age 45 (Annual Estimate)<\/b><\/td>\n<td><b>Age 60 (Annual Estimate)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Allianz International<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500\u2013$2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000\u2013$4,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000+<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cigna Global<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,800\u2013$2,800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,200\u2013$5,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$6,500\u2013$9,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AXA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500\u2013$3,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500\u2013$6,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,500\u2013$12,000+<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Please remember that including coverage for the United States is extremely expensive. Because of this, excluding U.S. coverage can <\/span><b>reduce premiums by roughly 30% to 50%<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cigna<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cigna has <\/span><b>three international health insurance plans<\/b><span style=\"font-weight: 400;\"> for expats in Vietnam\u2014the Silver, Gold, Platinum plans. The annual maximum for each plan is <\/span><b>USD $1,000,000 for Silver<\/b><span style=\"font-weight: 400;\">, <\/span><b>USD $2,000,000 for Gold<\/b><span style=\"font-weight: 400;\">, and <\/span><b>unlimited for Platinum<\/b><span style=\"font-weight: 400;\">. U.S. expats will appreciate Cigna\u2019s USD billing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">U.S. expats praise Cigna\u2019s plans for their excellent inpatient coverage, with all three international plans covering inpatient and daypatient treatment in full for a private room.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Allianz<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz<\/span><\/a><span style=\"font-weight: 400;\"> International\u2019s Care plans are the company\u2019s best option for Americans moving to Vietnam. The Care plan has a <\/span><b>max plan limit of USD $2,500,000<\/b><span style=\"font-weight: 400;\">, while the Care Plus has a <\/span><b>max plan limit of USD $ 4,000,000<\/b><span style=\"font-weight: 400;\">. The Care Pro has a <\/span><b>max plan limit of USD $5,000,000<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some of the benefits included in all Allianz Care plans include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Day-care treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diagnostic tests<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Local ambulance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oncology<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physician and therapist fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Post-hospitalisation treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescribed drugs and materials<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitation treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Second medical opinion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surgeries<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Extra benefits are included in each of the core plans (Care, Care Plus, and Care Pro) but vary by plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Allianz\u2019s Repatriation plan is offered as an optional add-on, with the following coverage:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>USD $4,050<\/b><span style=\"font-weight: 400;\"> for someone accompanying a repatriated person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>USD $2,700<\/b><span style=\"font-weight: 400;\"> in travel costs for insured family members in the event of a repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>USD $2,025 <\/b><span style=\"font-weight: 400;\">for travel costs of insured members to be with a family member who may or has died<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-20' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_1.jpg\" alt=\"blog banner asia 1\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_1.jpg\" alt=\"blog banner asia 1\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">AXA<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">AXA offers <\/span><b>five international health insurance plans<\/b><span style=\"font-weight: 400;\"> for U.S. expats in Vietnam: <\/span><b>Foundation<\/b><span style=\"font-weight: 400;\">, <\/span><b>Standard<\/b><span style=\"font-weight: 400;\">, <\/span><b>Comprehensive<\/b><span style=\"font-weight: 400;\">, <\/span><b>Prestige<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Prestige Plus<\/b><span style=\"font-weight: 400;\">. Annual maximums start at USD $400,000 and reach USD $8,000,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All AXA international plans cover:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulance transport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancer care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CT, PET and MRI scans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital charges and surgery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mind health services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Second medical opinion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Virtual doctor services<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What is the best health insurance for American expats living abroad?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cigna, NOW Health, Bupa, Allianz, and AXA offer some of the best international health insurance plans for expats living in Vietnam. International health insurance is preferable for expats, even though it is not mandatory. It offers the most reliable, comprehensive coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I have to have health insurance to move to Vietnam?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Health insurance is not mandatory for most American expats moving to Vietnam. It is highly recommended to avoid high out-of-pocket costs and to get access to suitable medical facilities. Expats who work for a Vietnam employer will be enrolled in public healthcare as well.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Does Vietnam have good private healthcare?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some Vietnam hospitals will not meet standards U.S. citizens are used to. Public facilities are especially overrun. Many private facilities, including international-standard hospitals, like Vinmec, provide excellent care. The best hospitals are often found in urban hubs, like Ho Chi Minh city.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">International health insurance offers American expats the reliable, portable coverage in Vietnam and abroad, with the option of U.S. coverage. Since U.S. plans like Medicaid and Medicare are not usable in Vietnam, international coverage is highly recommended.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you ready to compare quotes? <\/span><b>Use our <\/b><a href=\"https:\/\/health.pacificprime.com\/ALP\/general\/R\/pg1?mtch=p&amp;kwds=pacific%20prime%20international&amp;cmid=13071692362&amp;dgid=127509589412&amp;kwid=kwd-2469225486147&amp;dvce=c&amp;crtv=549937214290&amp;adps=&amp;netw=Search&amp;gad_source=1&amp;gad_campaignid=13071692362&amp;gbraid=0AAAAAD88GYpnsuOoHRH_PkSIK6rveuiwH&amp;gclid=Cj0KCQjwjb3SBhDgARIsAMKiWzhBeDkzLjUYRl131pfgosVV0f1QaUwnWhNFgXA5po3bja0QrTBb70UaAk2WEALw_wcB\"><b>free, no-obligation quote tool<\/b> <\/a><span style=\"font-weight: 400;\">or <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><b>talk to one of our professional brokers<\/b><\/a><span style=\"font-weight: 400;\">. They can help you get the best deal on a plan, compare top providers, and more.\u00a0<\/span><\/p>\n<p><b>Suggested Reading:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/living-abroad-in-vietnam.html\"><span style=\"font-weight: 400;\">Living in Vietnam 2026: Guide for American Expats<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-seniors-retirees-vietnam.html\"><span style=\"font-weight: 400;\">Health Insurance for Seniors and Retirees in Vietnam<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/top-vietnam-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">Top 10 Insurance Companies in Vietnam for Expats (2026)<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/vietnam-health-insurance-pacific-prime-international\/\"><span style=\"font-weight: 400;\">Vietnam Health Insurance for Expats<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Americans moving to Vietnam should secure international health insurance for optimal coverage, especially since Vietnam\u2019s public system is lower quality than U.S. healthcare. Adding U.S. coverage to international plans drastically increases premiums but is worth it for many Americans. Are you trying to decide what health insurance you need for your move to Vietnam? Are &#8230;<\/p>\n","protected":false},"author":54,"featured_media":30631,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-30629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance in Vietnam for Americans<\/title>\n<meta name=\"description\" content=\"Americans moving to Vietnam can use this go-to guide to find out what insurance coverage they need, compare the top three providers, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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