Insurance in Asia — Medical Network Directory

Inpatient Direct Billing: Covers medical admissions requiring hospitalization, overnight observation, or planned surgical procedures. The hospital's insurance desk coordinates directly with your insurer to obtain a Guarantee of Payment (GOP). You do not pay for covered medical bills upon discharge.

Outpatient Pay-and-Claim: Routine clinic visits, GP consultations, and small pharmacy prescriptions are frequently settled directly by the patient upfront. The clinic issues a VAT Red Invoice (Hóa Đơn Đỏ) and medical report so you can file for reimbursement online with your insurer within 30 to 90 days. Select premium cards (e.g. Cigna Global, Bupa Gold) do support cashless outpatient direct billing at network clinics.

1. Original Passport: Required by Vietnamese healthcare regulations. A photocopy or phone photo is generally not accepted for official insurance registration.
2. Insurance Membership Card: Physical plastic card or verified mobile e-card showing policy number, member ID, and global assistance hotline.
3. Visa / Entry Stamp: For tourists and visitors, proof of recent entry date into Vietnam is often checked by travel insurers.
4. Credit Card for Incidentals: A temporary credit card imprint is standard to cover policy deductibles, co-pays, or personal non-medical expenses.

Once you are admitted, the hospital's international billing department sends clinical notes, physician diagnoses, and projected cost estimations to your insurer's medical assessment desk. The insurer reviews the policy terms and issues an official GOP letter. This process normally takes 2 to 6 hours for emergency admissions and up to 48 hours for planned elective surgeries. In critical emergencies, hospitals stabilize patients immediately prior to financial confirmation.

No. Any personal annual policy deductible, co-insurance percentage (e.g., 10% or 20%), or non-medical items (personal phone calls, guest beds, upgrade charges above standard private room limits, comfort amenities) are not covered by the GOP. These out-of-pocket balances must be settled directly with the hospital cashier before final discharge.

If the hospital does not maintain a pre-existing direct billing contract with your insurance provider, you or the hospital staff can immediately call your insurer's 24/7 International Assistance Number. Most international insurers can issue an ad-hoc single-case Guarantee of Payment directly to the hospital billing office. Alternatively, you can contact Healthcare Advisor Mr. Binh at +84 866 817 007 for immediate hospital billing liaison.