Managing Multicultural Teams: Lessons from my journey as CAO

Working across cultures is both an art and a learning journey. With experience in France, America, China, and Southeast Asia, Frédérique Saurat, our Chief Administrative Officer, shares her perspective on managing multicultural teams — offering valuable insights from her global leadership experience.

I’ve spent over 20 years working around the world, from France, USA, China, and now Thailand. For the past several years, I’ve been CAO at LUMA, where I oversee finance, HR, admin, and operations. LUMA’s DNA is multicultural: from our founders who are Thai and French, our team spans many nationalities, as well as our clients include NGOs, expats, and multinational organizations across Southeast Asia.

 

Working in this environment has taught me that managing multicultural teams isn’t just about being aware of differences. It’s about turning those differences into strengths. Here are some of the lessons and practical tips I’ve learned along the way.

Respect Is Universal

One piece of advice I often heard in Asia was “never let people lose face.” That’s good advice, but the truth is broader: no one in any culture wants to lose face.

Whether you’re in Bangkok, New York, or Paris, people respond to respect. Feedback can overcome cultural boundaries when it’s delivered privately, constructively, and with dignity. Respect is the common ground that makes trust possible.

Tips for Leaders:

  • Give feedback one-on-one, not in front of others.
  • Focus on constructive improvement rather than criticism.
  • Acknowledge contributions publicly, correct privately.

 

Authenticity Builds Trust

In multicultural environments, it can be tempting to over-adapt your personality to “fit” the local culture. My experience has been that this doesn’t work, and people can quickly see through it.

The key is to remain authentic while being sensitive. Your team doesn’t need you to become a copy of them — they need you to be genuine, consistent, and humble. Authenticity builds credibility that lasts.

Tips for Leaders:

  • Don’t pretend to be an expert in a culture you don’t fully know — instead, show curiosity.
  • Admit what you don’t know and invite your team to teach you.
  • Lead with consistency — people trust what feels genuine and stable.

 

Invite Voices in Hierarchical Cultures

In many Asian workplaces, hierarchy is strong. Employees may hesitate to ask questions, challenge managers, or even raise concerns.

As leaders, we need to actively open the door. I make a point of asking questions, encouraging input, and explaining the “why” behind goals and KPIs. When people understand context, they don’t feel pressured but they feel included.

Tips for Leaders:

  • Create “safe space” meetings where all levels can speak freely.
  • Ask direct, open-ended questions: “What would you improve?” or “What do you see from your perspective?”
  • Share the reasoning behind decisions to build acceptance.

 

Acknowledge Cultural and Family Influences

Every culture has its unique influences. In Thailand, work often feels like family. Colleagues don’t just work together — they eat together, socialize after hours, and form lasting bonds.

Family obligations also play a major role in career decisions. I’ve seen talented employees prioritize parental expectations or family needs over promotions or relocations. This isn’t disengagement, it’s a cultural reality that leaders should respect.

Tips for Leaders:

  • Recognize family commitments and allow flexibility where possible.
  • Encourage team bonding outside of work — shared meals, cultural celebrations.
  • Understand cultural humility: some employees won’t self-promote or ask questions, so leaders must look deeper.

Use Tools to Bridge Differences

Culture and language gaps can make it hard to understand how people prefer to work. That’s why we use behavioral and personality tests in recruitment and team management.

These behavioral assessments reduce mismatches and explain why colleagues approach tasks differently. I’ve used them to resolve conflicts by showing teams their contrasting profiles and once people understood their differences, collaboration improved.

Tips for Leaders:

  • Use personality or work-style assessments to increase self-awareness.
  • Share results openly with teams to spark discussions about differences.
  • Use tools as a starting point for empathy, not a box to put people in.

 

Lead with Emotional Intelligence

Not every misunderstanding is a conflict. Often, it’s simply a lack of clarity. Leaders with emotional intelligence can sense when moods, stress, or misunderstandings are creating friction — and step in before issues escalate.

I also believe in the power of apologizing. Too often, leaders see admitting mistakes as weakness. In my experience, it’s the opposite — an apology builds credibility and shows humanity.

Tips for Leaders:

  • Pay attention to body language and tone, not just words.
  • Don’t assume silence means agreement — check in privately.
  • Model humility: admit mistakes, and others will feel safe to do the same.

 

Be Globally Ready: Evolve With Society

The world itself is becoming more blended — physically, virtually, and culturally. Populations are mixing, and future generations will look and live differently than today.

I once spoke with a cosmetics specialist who explained how companies are already preparing for the future. In 10 to 20 years, hair types and skin tones will be even more diverse due to population mixing. These changes demand new products that don’t exist today but will soon be essential.

The same is true for organizations. Our employees will continue to become more diverse, just like our clients. To stay relevant, we must constantly adapt, evolve, and prepare for needs that aren’t obvious today but will shape tomorrow. That’s what I call being globally ready.

Tips for Leaders:

  • Regularly review workplace policies through a “future lens.”
  • Anticipate how evolving demographics might affect employee expectations.
  • Stay flexible — don’t build systems that assume today’s workforce will look the same tomorrow.

 

Closing Thoughts

Multicultural teams bring diversity of thought, creativity, and resilience. They reflect the global clients we serve, and they challenge us to keep evolving.

But they don’t thrive on autopilot. They require conscious leadership: respect, authenticity, emotional intelligence, the right tools, and a readiness to adapt to the world as it changes.

For me, the biggest lesson is this: When you manage cultural differences well, they stop being challenges and they become your greatest advantage.

This article was written by Frédérique, sharing her experience and lessons on multicultural work teams through her experience from France, America, China and Southeast Asia.

Frédérique Saurat

Chief Administrative Officer

Group Insurance in Southeast Asia: What HR Leaders Must Know

Understanding employee benefits across borders can be complex. With extensive experience leading client solutions in Southeast Asia, Xaynaly, our Head of Client Solutions, shares her insights on what HR professionals need to know about group insurance in the region — offering practical guidance from years of working closely with companies of all sizes.

Group insurance in Southeast Asia isn’t just about coverage and premiums. What really defines success — especially for HR leaders is how your insurer or advisor supports HR throughout the year. Done right, it becomes more than a policy; it becomes a strategic advantage for both the organization and its people.

 

Across Thailand, Vietnam, Laos, and neighboring markets, HR leaders are realizing that group insurance in Southeast Asia comes with challenges: rising medical inflation, increasingly mobile workforces, and the complexity of multinational teams. These pressures make choosing the right group health insurance partner not only important, but essential to long-term stability and employee satisfaction.

Flexibility Isn’t Optional. It’s Strategic

One size rarely fits all. Executives need different protection than trainees. Multinationals in Asia may need global policies or smart mixes of local and international solutions. The best advisors help you build modular plans that adapt to your team.

Service Should Feel Like Hospitality, Not Bureaucracy

Insurance should go beyond paperwork. Think concierge-style support, smooth claims, and direct access to specialists. At LUMA, we provide second and third medical opinions when hospital decisions feel rushed because true hospitality means peace of mind.

Proactive Monitoring Prevents Renewal Shocks

Premium spikes don’t just “happen.” They build through the year. Quarterly claims reviews and early interventions help HR manage costs long before renewal day. 

Benefits Should Be Retailored With Evolving Consumption

Needs shift. If dental isn’t used but outpatient is critical, rebalance. The right partner helps HR retailor group benefits continuously so they stay relevant and valued.

Beyond Price: Long-Term Success Matters More

Yes, cost matters. But jumping to the cheapest first-year deal often leads to painful increases later.  In Southeast Asia, where medical inflation is among the highest globally,  Sustainability beats short-term attraction.

The Right Partner Makes the Difference

A brochure shows you coverage. A great advisor shows you possibilities. With the right partner, anything is customizable and HR gets hospitality-level service, proactive guidance, and peace of mind.

 

In this region, HR leaders need more than a policy – they need a strategic partnership that reduces administrative burden and builds employer brand.

 

If you’d like to explore how to design smarter, more sustainable group insurance strategies, let’s connect. I’d be glad to share ideas.

This article was written by Xaynaly, drawing on her experience in advising HR teams across Southeast Asia.

Xaynaly Souvannavong

Head of Client Solutions

Giving Birth in Vietnam: A Guide for Expats Choosing the Right Hospital

Living aboard in Vietnam can be an exciting adventure, but when it comes to giving birth and navigating an unfamiliar healthcare system can feel overwhelming.  This guide will help you confidently choose the right hospital for your maternity journey, based on real insights from expat families and LUMA’s experience handling maternity cases.

Public vs. Private Hospitals for Childbirth in Vietnam

In Vietnam, there are both public and private hospitals.  There’s a big difference between delivering in a public hospital and a private facility.

Public Hospitals for Childbirth in Vietnam

Hospitals under government control are well prepared with qualified specialists. However, there are often extremely packed and there is often limited use of English within the facility, including the nursing staff and doctors. If you do choose to deliver in a public hospital, you can expect to receive more clinical treatment, longer waiting periods, and rooms that are shared with other patients.

Pros:

  • Affordable pricing
  • Experienced medical teams

Cons:

  • Limited privacy
  • Language barriers
  • Fewer options for pain relief or delivery style

Private and International Hospitals for Childbirth in Vietnam

Private or International hospitals provide a more individualized and comfortable delivery experience, and many expats choose to manage their pregnancy in a private hospital. Offering modern rooms, English speaking, sometimes even foreign doctors, bilingual staff, and flexible delivery options (such as natural birth and pain management) are typically offered by these hospitals.

Pros:

  • English-speaking support
  • Shorter wait times
  • Private rooms and partner-friendly policies
  • Comprehensive maternity packages

Cons:

  • Higher cost
  • May require advance booking or deposits

Read more on hospitals in Vietnam

What to Look For in a Maternity Hospital

Before choosing a hospital, you can consider your specific needs and preferences.  Such as, are you planning to do your prenatal follow-ups at the same facility where you deliver, or will you only use the hospital for delivery?  Will you need postpartum care and pediatric services for your newborn?

 

When evaluating hospitals, start by confirming whether the hospital has an on-side Neonatal Intensive Care Unit (NICU).  If complications were to occur during the delivery or your baby requires immediate specialized care, having a NICU in the same facility can be lifesaving and eliminate the stress and time lost in transferring to another hospital.

 

Equally important is ensuring that the hospital maintains 24/7 availability of specialists.  Verify that anesthesiologists and OB/GYNs are on-site around the clock, not just on-call from home.  As you may have guessed, labor doesn’t follow business hours, and you may need immediate access to these specialists.

 

Essential questions to ask during hospital tours include:

  • What is the hospital’s C-section rate and approach to natural birth?
  • Are partners allowed in delivery rooms and during procedures?
  • What newborn care protocols are standard?
  • How does the hospital handle emergency situations?
  • What postpartum support services and lactation guidance are available?

 

Finally, don’t overlook the practical logistics of getting to the hospital from your location.  Consider the distance, the typical traffic at different times of day and the available transportation options.

giving birth in vietnam

Cultural differences to prepare for

Medical protocols in Vietnam may vary from your home country, and being prepared for these differences can help ensure your birth experience aligns with your preferences.

 

In some hospitals, fathers may not be allowed in the room while delivering the baby, especially if it is a C-section operation.  There may also be differences in pain management, episiotomy rates and differences in newborn care practices from what you are familiar with back at home.  Skin-to-skin contact after giving birth is not so common in Southeast Asia, and it may not be standard procedure in the hospital, so it would be advised to check the protocol and what is expected.

 

Breastfeeding is not as heavily encouraged in Vietnam, and formula is often provided at the hospitals – if you strongly want to breastfeed only, make sure this is clearly communicated with your doctor and nurses.

 

What Costs to Expect When Giving Birth in Vietnam

Maternity costs in Vietnam can vary significantly, depending on the hospital and type of care you choose.  International hospitals will typically charge between $2,000 – $6,000 for a normal vaginal delivery and $3,500 – $12,000 for a cesarean section, including prenatal care packages.  However, these costs can increase significantly if complications arise or if you require extended NICU care for your newborn.

 

Generally, hospitals require payment arrangements early in your pregnancy.  Some facilities may request a deposit at the beginning of your pregnancy, while others may require full payment upfront just before the delivery.  These payment policies are in place, and you need to ensure you have adequate funds available, as the costs can quickly escalate as previously mentioned.

 

Does your Health Insurance Cover Maternity?

Before planning your delivery, check whether your current health insurance policy includes maternity coverage or not.  In Vietnam, maternity care, especially in private or international hospitals can quickly become expensive without proper insurance.

 

Key points to check in your policy:

  • Waiting Periods: most health insurance plans with maternity benefits will have a waiting period of 10-12 months.
  • Coverage Limits:

Check how much your plan covers for:

  • Prenatal checkups
  • Scans and tests
  • Delivery costs
  • Complications during pregnancy or birth
  • Newborn care
  • Hospital Network: check if your policy offers direct billing with your preferred facility. Some plans may only allow reimbursement, meaning you are required to pay upfront and claim later.

 

Understanding Maternity Packages in Vietnam

If your current health insurance policy doesn’t cover maternity, you can also look at the Maternity Packages offered – as these will usually offer a special price.  Private hospitals in Vietnam offer comprehensive maternity packages, to ensure you are taken care of throughout your pregnancy experience.

Maternity packages will often bundle:

  • Prenatal care – such as monthly check-ups, ultrasounds and even NIPT tests.
  • Delivery – whether you go for a natural birth or a planned C-Section.
  • Post Natal care – focusing on the mother’s and newborn’s recovery and well-being.

Other areas to consider:

  • Room type and facilities
  • Duration of stay
  • Breastfeeding support

 

You should also keep in mind that the maternity packages offered by the private hospitals are often a starting point, or an entry price.  Anything additional from the package will be charged extra, this could be an additional night staying in the hospital, additional tests needed or any complications that could arise during the pregnancy or delivery.  It’s important to make sure you understand what is included in the package, and what could be considered as additional costs – and to what extent could these costs go up to.

 

Tips for a Smooth Maternity Experience in Vietnam

Through the years supporting expatriate families in Vietnam, LUMA has gathered some tips which can help your maternity journey go as smoothly as possible.

Register with the hospital early

Secure early registration with your chosen hospital, especially if you are leaning towards a VIP/private room.

Choose a bilingual OB/GYN and Pediatrician

Many international hospitals are staffed with doctors trained abroad who are familiar with treating expatriate patients.  Once you’ve had your initial meetings and decided which hospital you prefer, make sure to lock down the doctors and medical team who will be taking care of you throughout your journey.

Tour the facility ahead of time

You can schedule a hospital tour well before your due date.  During this visit, be sure to see the maternity ward, delivery rooms, recovery areas and nursery.  Don’t forget to ask about visitor policies, room and meal options and any additional available services.  It’s nice to familiarize yourself with the location as it can help reduce anxiety during labor and delivery.

Pack a hospital bag

As with giving birth anywhere, it’s important to pack your hospital bag in advance to ensure you have everything at hand, from appropriate and comfortable clothing, nursing-friendly outfits and hygiene items.

Understand post-natal procedures in Vietnam

It’s recommended to learn and understand about Vietnamese postpartum traditions before delivery.  The cultural “lying-in period” is traditionally 30-40 days of rest with specific dietary restrictions, emphasizing warm foods and avoiding cold drinks.  Understanding, and acknowledging these customs can help you communicate preferences to healthcare providers, as well as not being overwhelmed when receiving healthcare advice from local friends and family.

 

Where LUMA Members Give Birth in Vietnam

As one of the preferred health insurance providers for expats in Vietnam, and we have experience over the years supporting international families through their maternity journey.  Here are some preferences based on real member experiences, as many of our insured members have chosen the following hospitals for delivery due to trusted care, smooth processes and excellent experiences with international patients:

American International Hospital

Modern facilities with comprehensive maternity services, an experienced international medical team and advanced neonatal care.

 

Hanh Phuc International Hospital

A popular choice among LUMA members, Hanh Phuc is well-known for its dedicated maternity wing and expertise in childbirth and fertility treatments. The hospital offers English-speaking OB/GYNs and provides a family-friendly, supportive environment throughout the pregnancy journey.

 

Vinmec Central Park International Hospital

A premium healthcare facility with high standard maternity services, cutting edge technology and comprehensive newborn care programs.  Often a popular choice among expatriate families or its international standards and multilingual staff.

 

FV Hospital

An established international hospital offering French led medical care with extensive maternity packages.  Known for its experienced doctors, modern facilities and a strong reputation within the international community.

 

These hospitals have proven consistently popular among expat families in Vietnam.  Communication flows smoothly between international families and medical professionals, while providing access to Vietnam’s highest standard of medical care. Furthermore, administrative processes, from insurance claims to birth certificate documentation, are handled efficiently to ensure a stress-free experience for new parents.

 

Ready to start your maternity journey with confidence? Contact LUMA today to learn more about our comprehensive maternity coverage and how we can support you in choosing the right hospital and care plan for your family’s needs in Vietnam.

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