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HI Folks: a boring topic perhaps. It's been done before - maybe many times - but still not to my satisfaction. OK, Here goes: Question: Who here has a positive experience using private health insurance to pay for something? This question was posted before but there weren't lots of answers. I have two companies that have given me quotes: Pacific Cross Vietnam and ACS Expatriate Insurance Solutions. Both sound good. But I still have NO confidence that these companies actually come through for one, or do what they say, in the end. Who knows???? They sound nice. But what do I know? Nothing! Will they really step up? Or, will they find some reason not to pay or to drop me? How am I supposed to know? Does anyone here have a plan they bought privately that they've used successfully? This may be one of the most important questions for y'all.

Hello, my Vietnamese wife sells Life Insurance (Chubb Life, USA) but she got me set-up with a decent health insurance plan with a company called "Bao Viet." It is a Vietnamese company but they do speak some English and will cover you when/if you go to hospitals where English is spoken. Of course, they have different plans you can choose from depending on your needs but their prices are much cheaper than the companies advertising for expat health insurance - For example, my plan cost 4 million/year and covers 2 dental check-ups, unlimited doctor visits (including eye doctors), and any hospital stays.

Okay, I hope this helps. If you need a good Life Insurance plan let me know.

You realy knowing what you say?

4 million Dong for the year? That's extremely cheap. I do want to be able to choose private hospitals, etc. I will look into this company but, honestly, I've a hard time believing that one can get good coverage so cheaply. Thanks for your post. I'll take a look. I would like to hear from people who carry private insurance and read some accounts of experiences. The companies say what they will do. But I can't trust that they will really do what they say - especially in places where the regulations are unclear or nonexistent. Unfortunately, people didn't answer this thread last time it was posted. It seems like we should be able to get some recollections here.

VanRoss

Just joined up for Baoviet Intercare policy and it has decent coverage.
I have a copy of the policy and coverage if you are interested can forward

Rgds

Due to our ages and spouse's pre-existing condition (heart attack), every quote we received from every insurance company has been outrageously expensive -- as in very high deductible even when premium is 3X our monthly rent. Bao Viet is inexpensive but their coverage stops at age 65 and we're a bit older than that.

We decided to go with FV Membership Programme. Even with VIP plan, the cost is very affordable.

The good news is they don't raise the premium because of pre-existing condition. The bad news is we can only go to their doctors and hospital, meaning when out of the country, we won't be insured. It's fine with us, at least for the time being.

@ Nexus Six

Or, if they have a policy in English, I can check it. The companies I mentioned gave me quotes also. Before, I was mostly interested in catastrophic coverage: getting covered for any big events. I'm not sure what I want now except something that's reasonably priced that I can rely on for big problems. I am curious if your policy is cheaper for the same benefits...Let me see if there's a website.

Ciambella :

Due to our ages and spouse's pre-existing condition (heart attack), every quote we received from every insurance company has been outrageously expensive -- as in very high deductible even when premium is 3X our monthly rent. Bao Viet is inexpensive but their coverage stops at age 65 and we're a bit older than that.

We decided to go with FV Membership Programme. Even with VIP plan, the cost is very affordable.

The good news is they don't raise the premium because of pre-existing condition. The bad news is we can only go to their doctors and hospital, meaning when out of the country, we won't be insured. It's fine with us, at least for the time being.

This is fantastic information. I will check into this company. Can you go to the private hospitals like Vincom, if you want? This is the question that I have from your quote: So, being that companies tag you with this problem, what happens if I go with one of the companies I mentioned. My fear is, if something happens, will they cancel or raise the coverage to an impossible place? If so, what's the use of buying it. If they won't make you coverage reasonable, why would the big companies KEEP my coverage reasonable should I need it. They say they have lifetime policies too, however, can they just raise the premiums as they like?I think I asked them this question and got a vague answer.

FV (Franco-Vietnamese Hospital) is a private hospital, located in D7. They issue the insurance so naturally they have to honour it. The problem is you have to go to their hospital and use their doctors.

Excerpt from their site:

"FV Hospital is a private hospital, 100% foreign-owned by a Hong-Kong parent company, the ownership of which is composed of the holding company of the 10 Founders (who conceived and developed the hospital project), including Dr Jean-Marcel Guillon, CEO, Legal Representative and Board member, and of another holding company based in Luxembourg regrouping almost 500 shareholders, essentially doctors, from France, Belgium and Switzerland."

"Patient well-being and rigorous high standards of care are central to FV Hospital’s mission: to provide world-class healthcare in Vietnam.  In 2007, FV Hospital was the first hospital in Vietnam to be accredited by the Haute Autorité de Santé, the world-renowned French quality accreditation authority.  Following this, the hospital has been working to achieve recognition from the global leader of accreditation, the JCI (Joint Commission International)."

Our main concern is cardiology. Their 6 cardiologists are Vietnamese, all graduated from medical school in Saigon, which I'm not overly happy about, but at least 4 out of the 6 had their fellowships at hospitals in France.

Check out Liberty Insurance Vietnam - many option.

Ciambella :

FV (Franco-Vietnamese Hospital) is a private hospital, located in D7. They issue the insurance so naturally they have to honour it. The problem is you have to go to their hospital and use their doctors.

Excerpt from their site:

"FV Hospital is a private hospital, 100% foreign-owned by a Hong-Kong parent company, the ownership of which is composed of the holding company of the 10 Founders (who conceived and developed the hospital project), including Dr Jean-Marcel Guillon, CEO, Legal Representative and Board member, and of another holding company based in Luxembourg regrouping almost 500 shareholders, essentially doctors, from France, Belgium and Switzerland."

"Patient well-being and rigorous high standards of care are central to FV Hospital’s mission: to provide world-class healthcare in Vietnam.  In 2007, FV Hospital was the first hospital in Vietnam to be accredited by the Haute Autorité de Santé, the world-renowned French quality accreditation authority.  Following this, the hospital has been working to achieve recognition from the global leader of accreditation, the JCI (Joint Commission International)."

Our main concern is cardiology. Their 6 cardiologists are Vietnamese, all graduated from medical school in Saigon, which I'm not overly happy about, but at least 4 out of the 6 had their fellowships at hospitals in France.

OK. There's one I remember in D7. Yes. Well, this looks like something to really look into. I think, if I remember, they have a good reputation. I mean, my thinking is: at least if they are not charging you for pre-existing then it means they're not liable to raise rates or price people out. I have to check what is the premium. I heard from one of the providers I mentioned that rates go up 8-9% every year. That sounds like a lot. Is this what your does too?

The rate only goes up when you enters the next age group, at least that's what the consultants told me. My niece (who manages her husband's -- a German surgeon -- practice in Saigon) often refers their patients to FV. FWIW, she did not oppose to our enrollment in FV membership insurance.

Yes. That is what the website shows. I think it is much more trustworthy since it is resting on the ability, reputation and skill of the hospital - whereas these private insurance companies probably couldn't care less about their reputations as long as they still make money. Actually, I don't understand how insurance insurance really functions. I mean if they are not trustworthy or accountable. FV can probably afford to be more reliable since they are a well-known institution.

And also because when you buy into FV programme, you go to their doctors and hospital, so the premium stays in-house.

Just to be fair, I should say I received an email from ACS saying that once your accepted, they guarantee that your rates will never be raised, more than the normal yearly raise, nor your policy cancelled. So, there's that. I really do think this thread is very useful. Thanks for the responses. It'd be nice to hear from some more people who have actually had to use one of these plans for impatient care or something.

I am seriously considering ASC policy in addition to FV. But, FV SEEMS more reliable. I don't know who ASC is. It's a company. Anyone use it? I can trust FV. It's a big hospital that's...that's right there. Not going anywhere. ASC is someone sending me an email. How do I know they are what they say they are and will do what they say they will do?

VanRoss :

How do I know they are what they say they are and will do what they say they will do?

The question one ponders at the beginning of *every* relationship. :)

:lol:

Ciambella :
VanRoss :

How do I know they are what they say they are and will do what they say they will do?

The question one ponders at the beginning of *every* relationship. :)

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