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Vietnam's health service has made great strides over the past decade. As part of the United Nations Sustainable Development Goals, Vietnam is striving to achieve universal healthcare for all its citizens by 2030. However, although spending on healthcare has decreased, it remains high, especially in the private health sector, which offers much better quality and convenience than the public sector.
All employees, Vietnamese and foreign, must contribute to the country's social security system―which self-employed workers can join voluntarily, and thus health costs are covered but only very partially, whether the care is provided in the public or private sector. As a result, residents in Vietnam generally take out private health insurance, which is essential to benefit from quality healthcare and reasonable out-of-pocket expenses.
Vietnam's economic growth and the resulting rise of the middle class have increased the demand for high-quality health services, and many citizens are now taking out private health insurance, as are foreign residents. These insurance plans are sometimes financed by Vietnamese employers.
However, local health insurance is rarely sufficient to cover quality healthcare expenses. Many impose significant deductibles, caps on coverage, and waiting periods. The conditions of cover for beneficiaries also vary greatly from one insurer to another.
International health insurance is often more advantageous and flexible, as it can offer a higher level of coverage than that offered by Vietnamese insurers, as well as many other benefits (depending on the policy taken out).
Medical consultations and hospitalisation with "MyHealth International"
Examples of reimbursements with MyHealth International COMFORT in relation to the cost of care in Vietnam in the private sector*.
*Reasonable costs in the private sector, APRIL International data 01/2022
Vietnam has 1,400 hospitals nationwide, 250 being private hospitals.
To relieve the overcrowded and under-equipped public hospitals, the government continues to encourage international investment in the private sector. The benefits have already paid off as most private hospitals have state-of-the-art equipment, good service and English-speaking doctors, many of whom have studied abroad. Most of these private facilities are concentrated in the cities of Hanoi and Ho Chi Minh. To direct their policyholders to the best of these health facilities, international health insurance companies often have medical referral networks.
In order to benefit from high quality care, more and more Vietnamese and expatriates are choosing to seek treatment in a neighbouring country, notably in Singapore, Thailand, or the Republic of Korea. This is a choice that, in case of emergency, requires coverage of medical transport and health expenses incurred abroad.
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1. I look for the cover that suits my situation and choose my options.
2. I request a quote online and sign it electronically.
3. I download the Easy Claim app and take advantage of all my online services.
4. I can get a call back or chat at any time with an adviser.
