MyHEALTH, your international health insurance

With MyHEALTH Vietnam you can easily create and personalise your healthcare plan to suit your medical and budgetary needs, ensuring you only pay for what you truly need.

Hospital & Surgery will be the core module of your plan. Then you can add Outpatient, Maternity, and Dental/Optical modules if you wish. For each module, you may select from 3 levels of coverage: Essential, Extensive, and Elite.

To personalise your health insurance cover, you can also select your area of coverage and discount options such as deductibles or co-insurance. Each family member may have a different health insurance plan with different levels of coverage. With MyHEALTH Vietnam, all plans include emergency assistance and repatriation.

With MyHEALTH Vietnam, you can choose either Worldwide, Worldwide excluding USA or Europe and ASEAN excluding Singapore as your area of cover. You will enjoy the same level of coverage and benefits throughout your area of cover whether you are in Vietnam or travelling abroad.

MyHEALTH Vietnam is also portable, meaning you can take your policy with you when you move.

Absolutely, you can purchase MyHEALTH Vietnam as a top-up if you already have existing coverage through an individual or corporate health plan that doesn’t provide the protection you need. You can opt for a Hospital & Surgery cover with an annual deductible (which your existing insurers payments will go towards) if you’re worried about making sure hospitalisation costs are covered.

What does it mean for you? In case of hospitalisation, your local or corporate health plan will cover you up to its limit, provided your deductible is met, APRIL will then cover the remaining costs of treatment (up to your annual limit too). You can also choose optional benefits, such as Outpatient or Dental/Optical if you feel like your current plan does not provide the level of coverage you would like.

We offer 3 underwriting methods:

-FMU (Full Medical Underwriting): you will have to declare your full medical history during your application. An offer will then be made to you based on your medical questionnaire.

-Moratorium: it is a straightforward underwriting method where your pre-existing conditions may become eligible for coverage after a two-year treatment- and symptom-free period.

-CPME (Continuous Personal Medical Exclusions) allows you to maintain your cover under the same terms as your previous medical insurance plan without further medical underwriting. In order to be eligible to apply for CPME, your former health insurance provider must be part of our approved list.