Bảo hiểm sức khỏe và bảo hiểm du lịch Pacific Cross
About Pacific Cross Insurance in Vietnam
Pacific Cross Insurance Vietnam — Regional Health & Travel Insurance Specialist
A regional health and travel insurance specialist backed by decades of Pacific Cross Group experience across Hong Kong, the Philippines, Thailand, Indonesia, Cambodia and Vietnam — offering the tier-based Care Series, locally underwritten by Hung Vuong Insurance Corporation.
No single insurer fits every risk
We represent more than 25 insurers precisely because medical, vehicle, home, factory/office and professional liability cover each reward a different kind of underwriter or administrator. An insurer we rate highly for expat medical cover may not be who we'd recommend for a factory property policy. This profile tells you what Pacific Cross Vietnam is — and isn't — the right fit for.
Pacific Cross Vietnam is a regional administrator, not the underwriter — Care Series plans are underwritten by Hung Vuong Insurance Corporation, a domestic Vietnamese insurer, so you're buying a locally underwritten regional plan rather than a policy from a global carrier. Renewal terms and pricing can be revised by the underwriter at each renewal date at its discretion, and the flagship Care Elite tier stops offering new cover at age 70.
Every tier in the Care Series — from Care First through Care Elite — excludes treatment for mental illness, psychological disorders and depression, with no add-on available to reinstate it. If mental health cover matters to you, this isn't the plan; ask us about international carriers that include it.
Price-conscious individuals, families and students in Vietnam who want a genuinely flexible, tier-based health plan they can size to their budget and life stage — from Care Student and Care First through to the comprehensive Care Cross and top-end Care Elite/Master Series tiers — plus straightforward travel insurance for short trips. A strong option for those who want real customisation (inpatient-only vs. full cover, dental, personal accident, geographic scope) at a lower price point than international-only carriers. Less suited to anyone who needs mental health coverage, wants a single multinational underwriter's balance sheet behind their policy, or is over 70 and wants to newly enrol in the top Care Elite tier.
How Pacific Cross Vietnam scores on our 5 criteria
Scored out of 5 on each criterion. See the full methodology for how we assess reliability, benefits, flexibility, pricing and claims handling across all partner insurers. Illustrative rating based on advisory board review — updated periodically.
Reliability
Pacific Cross Group has operated across Asia since 1971, but in Vietnam it acts as the plan administrator while Hung Vuong Insurance Corporation, a domestic insurer, carries the underwriting risk — a workable but less globally-backed structure than a multinational carrier, with renewal terms subject to the underwriter's discretion.
Benefits Value
Solid core hospitalisation, surgery and outpatient benefits across the Care Series, with new value-adds like the January 2026 Assist America (AAAL) partnership and an eClaim portal — offset by a blanket mental-health exclusion across every tier, a genuine gap versus international competitors.
Flexibility
A real strength — five distinct tiers from Care Student through Master Series, plus PrimaryCare plans letting members choose inpatient-only or full cover, outpatient, dental, maternity, optical and geographic scope, so the plan can be sized to budget and life stage.
Pricing
Positioned as a genuinely affordable regional alternative to international carriers — the tiered Care Series and customisable benefit add-ons let buyers pay only for what they need, making it one of the more budget-friendly options on our directory.
Admin & Claims
A dedicated 24/7 hotline, mobile app and newly added eClaim online portal give members multiple ways to file — solid infrastructure, though as a plan administrator working alongside a separate underwriter, claims decisions ultimately sit one step removed from Pacific Cross Vietnam itself.
A regional specialist, locally underwritten
Pacific Cross Group was established in 1971 and has grown into a regional health, travel and personal accident insurance specialist with operations across Hong Kong, the Philippines, Thailand, Indonesia, Cambodia and Vietnam. In Vietnam, Pacific Cross Vietnam administers and distributes the Care Series health plans, while underwriting is carried by Hung Vuong Insurance Corporation, a licensed domestic non-life insurer — a materially different model from a global carrier writing its own paper. Through 2025 and into 2026, Pacific Cross Vietnam has been actively modernising its offer: launching the Care Student plan for undergraduates (effective January 2026), partnering with Assist America Asia Limited (AAAL) for enhanced value-added services, and rolling out an eClaim portal alongside its existing mobile app.
Care Series tiers & structure
The Care Series is built as a life-stage ladder, from entry-level student cover through to top-tier comprehensive protection:
What Pacific Cross Vietnam offers
Sourced from Pacific Cross Vietnam's own product pages — grouped here the way our advisory board evaluates it.
Care Student
Affordable health coverage tailored to school life — vaccination, hospitalisation, surgery and basic screening — designed to give students and parents peace of mind through each academic step. Launched January 2026.
Care First
A "solid start" plan positioned for entry-level workers, young independents and first-time insurance buyers who want essential protection at an accessible premium.
Care Cross
Three annual-cap levels — CC1 (VND 1 billion), CC2 (VND 2 billion) and CC3 (VND 5 billion) — balancing financial stability with meaningful health protection for working professionals and families.
Care Elite & Master Series
The most comprehensive protection in the range, with worldwide treatment options under Master Series (US$250,000-$1,000,000 cover, customisable outpatient benefit); note that new Care Elite enrolment is not available from age 70.
Bon Voyage & Travel Flex
Comprehensive single-trip and flexible travel insurance with no limits on travel region, plus dedicated corporate travel plans for companies with regularly travelling staff.
eClaim Portal & Mobile App
Members can now file claims via the newly launched eClaim portal in addition to the existing "Health Insure Pacific Cross VN" mobile app — plus enhanced overseas assistance through the January 2026 Assist America (AAAL) partnership.
Common questions about Pacific Cross Vietnam
Sourced and paraphrased from Pacific Cross Vietnam's own site and policy documentation — answered here in the context of clients based in Vietnam.
Is Pacific Cross Vietnam the underwriter of my policy?
No — Pacific Cross Vietnam administers and distributes the Care Series plans, but the underwriting risk is carried by Hung Vuong Insurance Corporation, a licensed Vietnamese non-life insurer. This is a locally underwritten regional plan, not a policy from a global multinational carrier.
Which Care Series plan should I choose?
It depends on life stage and budget — Care Student for ages 6-25, Care First for entry-level buyers, Care Cross for comprehensive mid-to-upper cover across three annual-cap levels, and Care Elite or Master Series for the most extensive protection (Care Elite has a maximum new-enrolment age of 70).
Does Pacific Cross cover mental health treatment?
No — every tier in the Care Series, from Care First through Care Elite, excludes treatment for mental illness, psychological disorders and depression, with no available add-on to reinstate this cover.
How do I make a claim?
Claims can be filed via the mobile app, the newly launched eClaim online portal, or by calling the hotline directly — members are also encouraged to contact the Customer Service team before filing for guidance through the process.
What happens in a medical emergency?
Call the 24/7 emergency hotline for guarantee-of-payment support at in-network facilities, or contact your local Pacific Cross Vietnam agent — the same hotline number handles both business-hours customer service and round-the-clock emergencies.
Does Pacific Cross Vietnam offer travel insurance?
Yes — Bon Voyage and Travel Flex plans cover single trips with no region limits, and dedicated corporate travel plans are available for businesses with staff who travel regularly for work.
Reach Pacific Cross Vietnam or your advisor
Latest contact details, pulled directly from Pacific Cross Vietnam's official site.
Pacific Cross Vietnam's office
Pacific Cross Vietnam's office moved in 2025 from its previous Tan Phong Ward, District 7 address to the VNPT Building on Nguyen Van Linh listed above — double-check any older paperwork or business cards against this current address.
