Supporting expats across Asia since 2012
LUMA offers health insurance for expats and their families in Vietnam, with member support based in Vietnam. LUMA Consultants help you choose the right plan, and our in-house medical team supports you when you need care.
Private health insurance gives you private hospitals, direct billing, and medical evacuation.
Public healthcare in Vietnam is generally affordable, but language barriers and long wait times can be challenging for both locals and foreigners. Foreign employees of Vietnamese companies who hold a work permit are usually enrolled in Vietnam’s public health insurance scheme, managed by Vietnam Social Security (VSS). It is a useful base, but it works mainly through designated hospitals and in Vietnamese, and private hospitals that accept it do so at capped rates.
Without private cover, you pay the full bill at a private hospital yourself. Private health insurance gives you:
LUMA offers a range of health insurance plans in Vietnam, from essential cover to comprehensive protection.
Essential cover for expats, with outpatient care included
For working expats and families who want higher limits and cover beyond Vietnam
For those who want the highest limits and planned treatment abroad
The healthcare benefits of the Asia Care plans are insured by Bao Long Insurance Corporation.
Not sure which plan suits you?
A LUMA Consultant will help you choose.
A room rate can look affordable, but it is only part of the total cost of a stay. Once consultations, tests, medication, and treatment are added, a two-night stay in Ho Chi Minh City, Hanoi or Binh Duong costs more than 5 times what the room alone would.
| City | Median room rate per night | Average total cost of a 2-night stay |
|---|---|---|
| Ho Chi Minh City | USD 232 | USD 2,485 |
| Hanoi | USD 181 | USD 1,975 |
| Binh Duong | USD 133 | USD 1,521 |
| Da Nang | USD 112 | USD 599 |
| Treatment | Average cost |
|---|---|
| Bacterial diarrhea | USD 1,320 |
| Dengue fever | USD 1,216 |
| Appendicitis | USD 2,390 |
| Ligament injuries (knee, shoulder) | USD 5,218 |
| Major surgery | USD 8,066 |
Source: LUMA claims data in Vietnam, 12 months to October 2026, not hospital price lists. Room rates are for a standard room and include meals and hospital fees. Total costs include the room and all treatment during the admission. Exact amounts depend on the condition and the facility.
How LUMA supported one member through a major fracture
A LUMA member suffered multiple lower-leg fractures in Vietnam. Our in-house medical team coordinated medical evacuation to Bangkok, where the member received the right care over 5 months, even though it cost more. This is why LUMA offers international plans, not plans limited to local care.
As a LUMA member, you have our own team of doctors and nurses on your side. When a diagnosis is serious or unclear, you do not have to face it alone.
Dr. LALANDE
Emergency Medicine,
Aviation & Tropical Diseases
25 years of Medical Experience
Dr. LWIN
General Practitioner
5 years of Medical Experience
Dr. SHUN
General Practitioner
10 years of Medical Experience
Nurse Kookkik
General Medicine
20 years of Medical Experience
Your age sets the starting point of your premium. The plan you select and the deductible you set shape it from there. The deductible is the share you pay yourself in a policy year before the insurer pays the rest. A larger deductible lowers your premium.
| Plan Features / Age | Asia Care Premier Vietnam | MOST POPULARAsia Care Pro Vietnam | Asia Care Plus Vietnam |
|---|---|---|---|
| Annual limit | USD 100,000 | USD 500,000 | USD 1 million |
| Room per night | Standard room, paid in full | Standard room, paid in full | Standard room, up to USD 170 |
| Outpatient | INCLUDED | INCLUDED | Optional |
| Premium per year (USD)Indicative premiums with a USD 1,000 deductible: entry level for Asia Care Premier Vietnam and Asia Care Plus Vietnam, and the USD 500,000 level for Asia Care Pro Vietnam. | |||
| 25 | 838 | 983 | 953 |
| 30 | 934 | 1,093 | 1,057 |
| 35 | 1,111 | 1,299 | 1,248 |
| 40 | 1,316 | 1,537 | 1,468 |
| 45 | 1,619 | 1,870 | 1,777 |
| 50 | 1,969 | 2,250 | 2,128 |
| 55 | 2,467 | 2,788 | 2,624 |
| 60 | 3,316 | 3,707 | 3,475 |
Figures are indicative starting points.
Your personalized quote confirms the exact premium. A quote is free and does not commit you to a purchase.
Finding the right care in a new country can be hard. Vietnam’s healthcare system is built for Vietnamese residents, and the language and the process are unfamiliar, whether you work here or are raising a family. The right cover depends on your situation.
Living and working in Vietnam? LUMA health insurance gives you private hospitals with direct billing, and our in-house medical team on your side when you need care.
A LUMA Consultant helps you choose the plan that fits your needs and budget.
Moving to Vietnam with your family, or planning to grow it? LUMA family health insurance covers the benefits families need, from health check-ups and pediatric visits to maternity and childbirth cover.
A LUMA Consultant helps you build the right cover for your family, with a plan that moves with you as your family’s needs evolve.
Looking after a team in Vietnam? LUMA builds group health insurance for companies from 3 employees, designed around your team rather than a one-size-fits-all package.
Start with individual plans for your employees and move to a group policy as your team grows. A LUMA Consultant sets up cover that fits your company.
Using your LUMA health insurance is simple: your cover is in the LUMA Care app, and our direct billing network settles the bill with the hospital.
Show your digital member card at a network hospital or clinic. The hospital sends the bill to us for eligible treatment, so you do not pay first. For a planned hospital stay, ask us for pre-approval beforehand; when you show your card, the hospital can also check with us directly.
LUMA’s direct billing network includes top private hospitals and clinics in Ho Chi Minh City, Hanoi, Da Nang and other cities across Vietnam.
What members say about LUMA’s advice and service.
Rita MillerShe responded quickly to emails in a professional friendly manner, providing the specific information we had requested.
Loujean LaMalfaI highly commend Luma Health Services! From the first time we contacted them to the issue of the policy was very, very professional. I was very impressed with the agent who we worked with.
Moe Myint KoLuma Health Insurance is the best ever for the insurers with its generous help and its better services. I really like for their alternative way for payment process if online payment is not available for the applicants…
Richard KlakutschI concluded my contract with LUMA online and felt very well looked after! Everything went quickly and smoothly! I haven’t needed you for a hospital stay, but I prefer that
LUMA is a member of the French, European, and British chambers of commerce in Vietnam, connecting our team with the international business communities that make Vietnam home.
Adults between 18 and 70 years of age can apply, and children under 18 are insured on a parent’s policy. All nationalities are accepted, including Vietnamese nationals living in Vietnam. You must live at least 185 days a year in Vietnam or another eligible country in Asia, and some professions are not accepted. If you are unsure whether you qualify, send us your details and we will confirm your options.
No, a health check-up is not mandatory. Your application is based on the health declaration you complete, and the insurer may request a check-up case by case.
Usually not. Insurers class any condition or symptom that existed before the policy start date as pre-existing, and individual policies in Vietnam rarely cover them. If you declare a condition fully during the application and the insurer explicitly accepts it, cover is sometimes possible, so declare your medical history completely. A LUMA consultant can check your options before you apply.
Yes. Waiting periods apply to some benefits and are listed in each policy’s terms. Before you decide, a LUMA consultant will tell you exactly which waiting periods apply to your chosen plan.
Your cover starts on the date you are accepted, which happens once LUMA approves your application and receives your payment. Waiting periods for specific benefits may apply if you do not previously hold similar insurance.
Health insurance commonly excludes cosmetic treatment, the consequences of alcohol consumption, and pre-existing conditions.
With direct billing, the medical facility sends its bill for eligible treatment straight to the insurer for review and payment, so you are not asked to pay and then reclaim. In Vietnam, LUMA’s preferred network offers this for both inpatient and outpatient treatment. Network hospitals and clinics cannot confirm whether a treatment is covered: exclusions, benefit limits, deductibles and co-payments may leave some charges uncovered, and the provider may then bill you directly.
It depends on your location and your condition. Vietnam’s healthcare system has been improving, but public facilities can have language barriers and longer waiting times than private hospitals, and emergency services may be more accessible in private facilities. Expats living in Vietnam often prefer private facilities for their quality, convenience, and English-speaking staff.
Get medical care first. Call 115 for an ambulance or go to the nearest hospital. Once you are stable, or if someone else can do it for you, contact LUMA on +66 2 494 3600, and the team will help with the details of your treatment and cover.
Yes, when the stay is longer than 6 months. LUMA’s health insurance plans in Vietnam suit stays of more than 6 months. For a stay under 6 months, choose LUMA’s travel insurance for Vietnam instead.
You’ll receive:
A quote is free and does not commit you to a purchase.
Enquire via chat
Going to Vietnam for a short trip?
For stays under 6 months, travel insurance is the better fit.
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