Insurance coverage in Vietnam

Awaiting Kenjee's response with interest! I use a UK broker for my insurance, we go back a long way as they were the first to actually sit down with me and assess my actual needs, rather than lots of yeah, blah, yaddah, sign here, pay, don't read the small print.

Since my job entails some quite horrific consequences if I get it wrong, not that I intended to get it wrong, I needed to be able to operate with confidence and the guys I use are as straight as an arrow.

To be brutally frank, having listened to some of the utter nonsensical gibberish that passes for logic at times in Vietnam - You know the stuff .... e.g. At a traffic accident "well it has to be your fault, because if you hadn't been here it wouldn't have happened".......

I wouldn't trust a Vn insurance company as far as I could stuff it into a crusty banh mi and launch it like a spear.

I am in almost complete agreement with you EXCEPT that perhaps Blue Cross (Vietnam) may be a bit different since they are somewhat associated with Blue Cross/Blue Shield back in the USA.

one thing I have noticed after inquiring at a few places is the total medical insurance coverage is quite low compared with western countries. For e.g you are looking at about US$50,000 - $100,000 in total coverage. I also found that compared with my
home country (Australia) the cost was comparable but the insurers in Australia offer pretty much unlimited medical cover.

Just one thought that should not be overlooked and one that I am continuously working one. This is trying to find ONE insurance policy with international coverage in order to eliminate the need to have separate insurance policies in different countries. For example, I have private insurance in Australia and Medicare coverage in the US and my goal is to have one policy that covers all countries and eliminates the need to have separate private insurance policies for each 'primary' country' of my travel but at the same time one policy that does not exceed the cost of all other individual policies combined.

Dr. G wrote:

....I have private insurance in Australia and Medicare coverage in the US and my goal is to have one policy that covers all countries......

One most unfortunate aspect of US Medicare is that it will not pay overseas claims.  Paradoxically, the system could probably save billions simply by letting people do major work overseas.

????? people ARE allowed to work overseas - what is it that you mean? and Medicare (US) only serves as a public insurance - private insurance (as in Australia) is still necessary for private hospital care.

Dr. G wrote:

????? people ARE allowed to work overseas - what is it that you mean? and Medicare (US) only serves as a public insurance - private insurance (as in Australia) is still necessary for private hospital care.

US Medicare is the public insurance scheme for people over 65 years old.  When I said "do work overseas" I meant do medical procedures overseas as opposed to doing them in the US where they are more expensive.  You can work anywhere while on Medicare, but you are uninsured if you go overseas for more than an incidental period.

Ok, I understand your comments, now; thank you

Hello all

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This thread has been launched to help gather infos on best Insurance plans so that expatriates can know all options they have.

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Kenjee wrote:

Hello everyone,

Moving abroad requires adequate insurance coverage.

What type of insurance expatriates need the most in Vietnam: health, house or liability insurance? All of them? Do they come as a package?

Are there other insurance options to consider like critical illness, damage or property insurance?

Is it better to purchase insurance from an expat insurance specialist or from a local insurance provider?

And what about insurance costs?

Tell us about your experience in Vietnam.

Thanks!

Kenjee

Regards
Kenjee
Expat.com

Unfortunately, I'm an hourly paid English teacher so I have to get something affordable, which is hard.

If anyone knows of a reasonable cover in VN for 60+ I would be grateful to hear about it. Tried Cigna, but it was way too expensive.

Andrew, hi, I'm 60 + as well and looking as you are, too.

I'd also like to find a reliable and not too expensive source for insurance here in Vietnam. I should also say that I would be very wary of any Vietnamese insurance company.

I must find something too. I am 50 here in the us i am covered by VA but obviously that won't work in Vietnam