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InsuranceinAsia
  • Established in 1994

    As your health & wealth grow, we help you

    protect your Assets using insurer's money.


    Navigating insurance in Vietnam & Asia is complex. We are the independent, ethical experts who fight for your rights against the "Wall of No."
    Try Our Services Now
    Contact Me at Renewal

    Vietnam & Asia

               Deep Local Knowledge        

    Independent

            We work for YOU, not Insurers        

    91% Renewal Rate

                Clients stay for the service

World Expat needs
  • World-class medical treatment & services
  • Modern & fast claims administration
  • Healthcare and insurance professionals
  • Empathic & professional mindset for patients 

We bridge the gap between Expats, Hospitals & Insurers

Vietnam Hospitals services

  • Scarce World-class medical services
  • A cash-payment at the desk culture
  • A 'who-you-know' Healthcare system
  • Transaction-based Medical teams  

Health Insurers 

  • Get Asean UCC Usuall & Customary Costs
  • Try to educate medical staff on payments
  • Learn local costs, practices and laws
  • Try to understand a nascent healthcare system

How can InsuranceinAsia help the Expat community?

We translate Insurance jargon to Expats.

We explain to insurers the local capabilities and the pricing 'variances'.

We educate Vietnamese health workers the insurance benefits, the procedures for refund and the Expats psychology when it comes to healthcare.

Communicate Insurer's World

The main areas where we are useful are
  • Insurance jargon has 3 meanings + 1 fine prints
  • Insurer's mindset: how they look at the world
  • Insurers are not always Darth Vador

Communicate Expats Frustrations

Remember Vietnam is still a 'frontier' country

  • Locals Speak English but never bought Insurance 
  • Doctors hide their 'trade secrets'
  • Am I a patient or a hi-end client, here?

Communicate World-standards to Locals

With World prices comes World-class treatment

  • Being the best in your hospital is not enough
  • Vietnam Min of Health is not the Holy Graal
  • Cash is 'Opaque but not King' outside Viietnam

The "Rule 0" of Vietnam: No insurance laws exist to protect the consumers

"In Vietnam, there are NO INSURANCE LAWS PROTECTIVE OF CLIENTS. Zero, nada, nil."

This is why you need an international broker, to bridge the gap between local cultural interpretation and international standards. 

We are your interface for fairness. We speak the language of the insurers, the doctors, the service providers and the regulators.

Our team has a "Can-Do" & rebel attitude 

When your claim is denied, in a market driven by numbers and rigid procedures, insurers can be like "mastodons." When you face a "Wall of No," we are the 1% who understand the "Why" and challenge the decision.

We recruit advisors based on 3 traits, in this order:

Ethics

We advise you as if we were advising ourselves. 

We don't sell what you don't need.

Brain

Smart interpretation of policies to find solutions,

where others see dead ends.

Energy

We fight insurer's unduly denied claims. 

We target max.5-day problem resolution.

JOIN OUR TEAM

Our Guiding Principles

Start Here: A manifesto of the ideas and missions that drive us.
How we see the relationship between the Insurer and You/Us

Why not protect yourself using Insurers' capital, you can buy peace-of-mind for cheap in Asia.

We help you use someone else's money to back-up your continuous success. Why is it necessary to buy insurance at all when in Asia? For residential apartments, public outlets, factories, products to export and specific professionals, it is compulsory by law.

Most Vietnamese don't purchase insurance anyway,

...but that is their country; they cannot be expelled when they don't obey the law. However, as an expat or compliant business, the stakes are different.

Getting access to international hospitals—in Vietnam, Thailand, Singapore 

or in your home country—, or a medical evacuation is a luxury not many uninsured people can afford. Physical and Mental Health is your most precious asset to keep going successfully in yoour new host country. Local hospitals are not an option for their healthcare uneven practice and the language barrier.

For a cheap premium, you can get the insurer's capital to pay upfront health or car repair bills

We help our clients get cheaper rates, optimizing your insurance costs is our job. Having the money at hand or a reliable insurance to pay hospital bills is a way to access this privilege of accessing the best surgeons in the world.

For moto, car, home or business we protect your dreams from accidents

Now for other assets of your dreams—car, home or business—that you acquired or built with blood, sweat or tears, the Insurer's capital, by the premium you pay, is a way to continue your dreams with a safety net.

Personal Advice & Ethical Standards

Ethical, transparent and independent advice

We enjoy a high renewal rate above 87% as our expat clients understand we advise them as if our place were reversed. Insurers are suppliers, we screen and assess their merits every year. We registered agents by thew Ministry of Finance for knowledge and ethical standards. InsuranceinAsia team collective knowledge totals 70+ years.

We recruit our advisors on #1 Ethics + #2 Brain + #3 Energy, in that order

Of course, trust needs to be built, and you can check our client testimonials. As advisors, we like the analogy to a family doctor. To advise effectily, patient and doctor need to share knowledge, transparently and in full confiidentiality  to select to right medicine to cure you properly. Similarly, we need transparency to provide you with the best protection to fit your lifestyle 

We advise you personally: each and every Expat have different needs and lifestyle

We stay away from generalists like the massive armies of salesmen forced to sell a 1-size fits-all. We act as architects or medical specialists for your risk. We see ourselves as smart insurance solutions finders. Maternity, pre-existing conditions, cheap locallly or comprehensive worldwide cover, test our range of more than 25 insurers. 

We Select and Score the best insurers, every year for you.

We constantly select the best insurer and their plans on offer based on 5 professional criteria: Security, Performance, Flexibility, Pricing, and Administration. We represent more than 25 insurers, all are reliable for a specific profile fo expat. We review them every year as suppliers come and go, increase prices above market or decrease benefits

Independence from Insurers

A moral obligation of independence to advise and defend our clients best interest

We will fight the insurers for what is due or fair to you, in all transparency.

In the face of 'mastodon' insurers driven by numbers—large numbers of members and financials—the human is often sidelined by faceless administrative procedures to process hundreds of claims daily.

Our team acts as the bridge between you the insurer, the service supplier and local staff

We interpret the insurer's world for you, and your world for the insurer. We navigate the bureaucracy around, so you don't have to. We translate what is lost by the local staff, insurance clerk, auto garage or the claims damage assessors. Most of them see an insurance claim for the first time.

You are the client and we are client-centric 

Our team are always reminded to 'PYCS' (Put Yourself in Clients Shoes) when they answer to you. They very well know that the client is you and the insurer is the supplier.

We operate with autonomy to ensure your interests are prioritized over corporate quotas or single-brand loyalty.

Choice is a Collection of the Best-in-Class Value

Our advisors screen the best-in-class insurers for your needs

We consider part of our job—as independent insurance advisors—to screen all the best-in-class insurers suitable for various expats or local families.

This ensures you can better find the perfect fit for your family protection while abroad. We help you avoid the 'Vinfast or the Trabant' if you need a Rolls-Royce, or vice-versa.

We help you compare Apple to Apple to get the best value-for-money in the market

We'll make sure you can compare 2 or 3 personal insurance plans be it: health, car, home, office or travel needs. Choice is power.

Price and value-for-money are not easy to spot for Internet comparators or AI. We compare apple to apple: 'when it is too good to be true, it is probably a scam'.

We help you make the best decision, based on your personal criteria and needs

We help our clients make the right decision, independently. We constantly evaluate the worth of insurers so you don't have to learn the hard way.

Accountable for Our Promises

We eat our own cooking, we use the same insurers we recommend.

We advise you the same way we would advise ourselves. You trusted us in the first place; most of our cllents are loyal because we make it simple and reliable refund.

We take pride in living by our words. We'll make sure what we promised you will be what happens in terms of insurance benefits and claims refunds.

Insurance is peace-of-mind... provided you have a good insurance advisor to enforce it!

In insurance, we have a saying 'No problem, no business'. If you did not have a problem of insurance coverage, we would not be here today. If you don't have any claims problems, we made a good choice of insurer. The measure of an insurance is client satisfaction. When an insurer denies your claim, you and us have a common interest in getting the money back quickly.

We enjoy a health insurance renewal rate above 87%

When you have a claims problem, we would be helping you sort out the claim using the same expertise, negotiation skills and diligence as if our positions were reversed.

Our renewal rate is close to 91%, not that our clients renew with the same insurer, but most trust we can find then the best available deal year after year. Should yoou not be satisfied, we can adjust yoour health plan or find alternative cover toi shiift to. Your renewal rate is our principal yardstick to measure client satisfaction.

We see ourselves as your Advisors, not a salesman

We are protection Advisors NOT insurer's Salesmen

We do not see ourselves as salesmen of the insurers, we are not transactional brokers or agent of a 1-off product.

We must deserve your trust and loyalty at every interaction we have the chance to have with you. We see ourselves as consultants by our cumulated knowledge of insurance.

Our holy graal; becoming 'holistic advisor' to clients for our long local experience for Expat protection

At times, we endorse the role of Advisors as circumstances require a more holistic and empathic experience of expat life and risks in Asia. Finding cancer specialists or arranging repatriation of mortal remains are never easy, let alone in a foreign Asian country like Viiietnam. Do not hesitate to ask us any advice or information we may have in store for you.

our SNACK services include  Select | Negotiate | Administer | Claim | Knowledge -of the key people- in Asia healthcare. 

We are trained —with experience— not to take 'No' for an answer. Part of our purpose is to negotiate with insurers on denied claims or excluded benefits on behalf of clients. Do not hesitate to use our full range of services

SNACK services includes: Select | Negotiate | Administer | Claim | Knowledge of all the Healthcare and insurance ecosystem for Expats worldwide.

Our History & Experience

A legacy of stability in a rapidly changing region.

1990: The Beginning

Following the lifting of the embargo, foreign investment flows into Vietnam | The team focuses on financial planning.

1994: Establishment

Meyado UK Intl takes over | The foundation of our expatriate focused service in Vietnam.

2003: First private business laws, Independence time

The collapse opf the 2001 dot.com. New private enterprise law 2003 | We become an independent broker for health and general insurers.

2008: Better private enterprise laws

Revised better enterprise laws | IF Consulting becomes a Joint-stock company to better accompany corporate clients.

2015: Resilience

Navigating the rise of conglomerates and SEAsia insurance rising | Our founder testing the VN healthcare personally surviving a brain stroke.


2019: Digital & Cloud in Covid times

Covid Worldwide | No more in-person meetings, No travel. Health and non-life insurance turns 100% digital, remote & WFHome

2025: The Future withh AI

AI and mobile app era | Double down on techh so "Human Intelligence" can serve clients 365/7/24 instantly... in progress!

​​What Our Clients Say

Trusted by expats, founders, and families since 1994.

"They have provided tremendous value... His deep knowledge of insurance products really helped us choose something within our budget. A pleasure to work with."

Jarrod Weber, 

              CEO, We Media


"Pascal's personal touch was what differentiated him... Highly respected for his integrity, creative thinking, and personal touch."


Kyle Hackenberg

              Managing Director, RCR Vietnam


"Doing business in SE Asia, sometimes one finds standards of professionalism challenging but this was not the case with insuranceinAsia.com."

Jean-Maurice Roy

              Telecom Architect, Cloud Transformation

"Their personable approach is backed up with hard business sense which is invaluable when I am faced with hard insurance decisions."

Tom Vovers

             Chairman, HR2B

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