Selecting the best health
insurer in Vietnam

How to select the best medical and general insurance

Private Health and general Insurance sector is new since 2005; It is not regulated. The insurers write the fineprints and insurance benefits as they see fit to their strategy. Affordable Prices can hide big differences in reliable, benefits or renewal guarantees.

How to select the best insurer in Vietnam for peace-of-mind

Vietnam health and general insurance are new and largely unregulated. Expertise and on-the-ground experience and practices by insurer are what we provide to Expat and Vietnamese clients.

Private Health and general Insurance sector is new since 2005; It is not regulated. The insurers write the fineprints and insurance benefits as they see fit to their strategy. Affordable Prices can hide big differences in reliable, benefits or renewal guarantees.

Unregulated by laws, very few insurers are reliable at renewal

Most expats assume wrongly that they are protected by laws when they purchase health insurance or any other type of protection. 2 important things you should know:
#1 there are no insurance laws protective of the insured clients under the general business laws “any company is entitled to be profitable”.
#2 One should never lose sight that the insurers make money by selling high premium refunding low claims. Most of the time, they are not your best friend.
On the contrary, insurance broker’s role is your advisor in making health insurance purchases affordable, easy and transparent, fitting around your personal needs, and not the insurer’s needs.

We selected health insurers carefully for their specific strengths

Not all insurers are equal. Most expatriate looking for medical, home or car/ motor insurance are lost in the maze of Vietnamese insurers self proclaiming they are the best product provider. Here are 3 things that change all the time and our professional team monitor, each and every year for all insurers:
- Benefits are added or removed on the base of their cost
- Limits and deductibles are put in place to avoid abuses
- Premiums are increased due to high claims
- Client acquisition (or offloading) strategies change
- Claims refund and denial practices change
Every year we update our clients with Best-in-class status based on our 5 criteria: reliability, benefits performance, flexibility, costs and claims administration.

How we, as professional insurance broker, help you

Since 1994, we accumulated a base of individual, family or corporate insurance clients from group health policies, car fleets, homes or factories.
This base gives us a lot of experience in claims and practical arrangements for quick claim refund. More importantly, our client base give us leverage when dealing with difficult claims or negotiation of exclusions or price discounts.

We will help you with Independent advice

Our team share useful advices:
- Select the best current insurer for your needs
- Negotiate benefits, exclusions, discounts or claims denial
- Administrate all your insurance policies through 1 counter
- Claim advice on best course of action depending on the insurer
- Knowledge of your plan, the hospitals, treatment and service providers and each insurer’s practice
Servicing agents like us grow by keeping our insured clients satisfied year after year as their family needs change.