All About Health Insurance for Expats — Expats in Ho Chi Minh City

This content is provided by Tenzing Pacific

There have been a lot of questions about health insurance lately, so as Expats HCMC’s trusted insurance broker, we thought we’d put together this post to provide some insight.

As residents of Vietnam, whether you’re an Expat or local citizen, you have 3 core types of providers:

Local Providers
Regional Asian Focused Providers
Internationals

Which one is right for you?

That depends on a wide variety of factors. There’s a lot more to consider other than just price. Just like most things, you tend to get what you pay for. So ultimately it depends on:

What’s important to you
Age
Benefits & limitations
Coverage Area
Type of provider
Quality of provider
Deductibles or co-pays
Direct Billing options
Portability
Current health conditions
Lifestyle
Payment method and frequency

This is why it’s hard to ask strangers “what’s the best provider?” That’s different for everyone as there are so many unique variables that go into a single recommendation.

How much does it cost?

Plans can be as cheap as $100/year to $20,000+. It’s that big of a range based on the criteria above.

Generally speaking for a healthy 35-year old on a regional focused provider, you can expect to pay between $50-$200/month depending on what’s important to you.

Are all providers created equally?

No. Each has their pros & cons. Usually you tend to get what you pay for, just like with most things.

We walk our clients through the options, telling you the good and bad of each to make sure your expectations are in-line with reality from the get go. You may, still, need to make some concessions: pay more, reduced benefits, coverage area, etc.

What providers do you recommend?

Generally speaking, we recommend regional focused providers who offer the best value all things considered:

Fair price
Appropriate amount of coverage
Payment instalments options
Offer good user experience
Direct billing networks across Asia
Portability
Good terms & conditions

What’s your overall advice?

Overall, we recommend speaking with an unbiased third party, whether that’s Tenzing or another broker. There are no extra fees and a good broker will give you transparent advice, outlining the pros and cons.

Oftentimes people get oversold or aren’t told key information that is critical for them to know. This can be detrimental to your future user experience and bank account!

Getting a Transparent Consultation & Quote

As mentioned in our photo, Tenzing has contracts with over 30 total health insurers - we have 600+ plans in our quoting system!

If you’d like to review your current plan or are seeking insurance, we’re happy to talk. Here’s the process: