Health Insurance in Vietnam

As a foreigner in Vietnam, it’s absolutely recommended to get a private health insurance in Vietnam. 

Here are the key benefits:

• Access to private healthcare facilities with English-speaking medical staff.
• Comprehensive Health Coverage including optional Outpatient care, Dental, Vision and even Maternity cover.
• Variety of choice of provider and medical provider.
• Shorter waiting times for appointments and procedures in private hospitals in Vietnam as opposed to public hospitals in Vietnam.

Ultimately, the decision depends on your preferences, lifestyle, health needs, and financial situation.

If you’re unsure about how to proceed and what option is best for you, feel free to reach out to LUMA’s team for guidance. Fill the contact form at the end of this page and we’ll get back to you.

The adequacy of local healthcare in Vietnam for foreigners living in Vietnam can vary. While the healthcare system has been improving, it’s essential to consider a few factors:

• Public healthcare facilities might have language barriers and longer waiting times as opposed to private hospitals in Vietnam.
• Public healthcare is more affordable than private care but expect much longer waiting times.
• Depending on your location and condition, emergency services might be more accessible in private facilities.

In summary, while local healthcare is improving, expatriates living in Vietnam often prefer private facilities due to better quality, convenience, and English-speaking staff. It’s recommended to have private health insurance and research healthcare options before relocating to Vietnam.

LUMA offers health insurance options to expats and Vietnamese nationals residing in Vietnam.

Who can apply?

• Adults between 18 and 70 years old.
• Children under 18 can be included on a parent’s policy.
• All nationalities are welcome to apply.
• Need to reside at least 185 days a year in Vietnam.
• Note that some occupations are not accepted, please check with our consultants for your specific profile. 

LUMA is an insurance service provider that has been operating in Vietnam since 2016. It is well-regarded for providing expat health insurance, not only in Vietnam but also across Asia. LUMA has established an office in Vietnam to cater to members residing in the country. While it is particularly popular among expatriates, LUMA’s services are available to both expatriates and Vietnamese citizens.

The cost of health insurance for foreigners living in Vietnam usually vary from 3 main factors:

• Level of benefits and zone of coverage
• Age
• Insurance provider

An international health insurance in Vietnam can range from a few hundred to a few thousand US dollars per year, depending on the factors mentioned above.

Pre-existing conditions are usually not covered by insurance companies. Our current range of health insurance solutions unfortunately follows the same rule and do not cover pre-existing conditions.

Any conditions or symptoms existing before starting a plan would be considered as pre-existing. However, pre-existing conditions may be exceptionally covered if they are fully declared and accepted by the insurer.

Your coverage begins on the date you are accepted into the insurance policy. 

Waiting periods apply for specific benefits, as listed in the terms of your insurance policy. This means that, for a period of time, there will be no coverage for particular benefits. 

Read our article about Best Hospitals in Vietnam.

Read our article about What to do in case of emergency in Vietnam.

For stays in Vietnam exceeding 6 months: Our health insurance plans offer comprehensive coverage that is ideal for your needs as a digital nomad in Vietnam.

For shorter stays in Vietnam: While our health insurance provides year-long coverage, it might be a better fit for longer residencies. If your stay is less than 6 months, consider our LUMA travel insurance for a more fitting solution.