Vietnamese citizens or foreigners legally residing in Vietnam who have not left the country for more than 180 consecutive days before the policy start date.

From 15 days old to 70 years old. Extended up to 72 years old if continuously insured from age 68. Applicants over 72 will be subject to individual assessment.

Yes. Children under 18 must be insured together with their parent(s), and their benefits cannot exceed the parent's coverage.

Yes. Applicants must not currently have epilepsy, mental illness, cancer, or permanent disability of 80% or more.

Yes. Each insured person must complete an Insurance Application Form for individual risk assessment before policy issuance.

A policy issued to a company where the employer pays 100% of the premium. Requires at least 3 insured employees. Benefits for dependents cannot exceed employee benefits.

Requires at least 3 insured members, including a minimum of 2 members aged 15 or older.

The main differences are Sum Insured and Territorial Scope. IP1 & IP2 cover Vietnam only; IP3 covers Asia (excl. Japan/HK); IP4 Worldwide excluding US/Canada; IP5 Worldwide including US/Canada with highest limits up to $500k.

We have direct billing agreements with Vinmec, FV Hospital, Hanoi French Hospital, Columbia Asia, and many international clinics across Vietnam and Asia. IP3-IP5 also offer direct billing abroad. For more details, check out: https://expatinsurance.info/direct.html.

Yes, all plans from IP3 to IP5 include emergency medical transportation and repatriation. IP3 includes transport to Thailand/Singapore; IP4/IP5 include worldwide evacuation.

Absolutely. Optional OP1-OP5 outpatient plans (up to $9,000/year) and dental treatment (BSO2) can be added when you purchase C01. Maternity benefits are also available.

Pricing depends on age, plan level, and territory. For example, IP2 starts from ~$154/year for young adults (19-30). Request a quote for exact premium.

Yes. For "Cashless Service" (no upfront payment), use our network of non-public facilities. If you go elsewhere, you pay first and we reimburse you.

We are legally bound by Article 21.1(Time limit for payment of Benefits: PTI shall notify the result and settle the claim for the Insured, legal heir, or legal representative within a maximum of 15 working days from the date of receipt of a complete and valid claim dossier. Claim payment transfer time: within 01–03 working days from the date of receipt of the customer's confirmation). We must settle and pay valid claims within 1-5 working days of receiving your documents.

We value transparency. Per Article 3: there is a 365-day waiting period for pre-existing conditions and "Special Diseases" (e.g.,cancer, heart disease, or tumors). This is why joining while healthy is critical.