International Health Insurance

for Southeast Asia and beyond

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Summary

International Health Insurance

With the rising cost of healthcare in Southeast Asia, international health insurance is essential in providing protection against high out-of-pocket medical expenses.  As a broker, Tenzing Pacific Services is here to help simplify that process, from the initial consultation to our year-round customer service.

Tenzing Pacific Services
Insurance Simplified

Why Us?

30+ Health Insurance Providers

Asia Insurance Experts

$0 extra costs to you

International Health Insurance

Our Providers

International Health Insurance

Key Features

See some of key features that come with our international health insurance plans.

No additional costs

Cashless Direct Billing

Year-round customer service

5-star Google Reviews

Plans to fit your budget

Enjoy

Cashless Direct Billing

Need treatment?

Don’t worry about paying for high medical bills with cashless direct billing at the best hospitals in Southeast Asia and beyond

Summary of

Health Insurance Benefits

With any health insurance plan you take out, you have the option to choose which benefits you’d like to have.  Your Tenzing health insurance advisor will make sure you’re covered for the benefits that matter the most to you. 

hospital bed

Inpatient

Covers major treatments which require overnight stays in hospitals for things like surgeries and related hospitalization expenses
doctor

Outpatient

Covers minor treatments where no hospitalization is required.
Read our blog article to learn the difference between Inpatient vs Outpatient.
dentist

Dental

Get routine dental checkups and procedures covered, from minor visits to comprehensive procedures*
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Maternity

includes routine delivery, pre & post natal visits, complications, newborn care and more*
*Waiting periods apply
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Emergency

includes medical evacuation, repatriation of mortal remains, emergency room and ambulance services
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Add-ons

include Life Insurance, Savings Plans, investment platform account or international bank account

Health Insurance Simplified

Johannes Heikkila

Our Consultation Process

There are many factors which affect which options we recommend to our clients.  In order to send you meaningful quotes, your Tenzing health insurance advisor will consult with you to understand:

  • What’s most important to you
  • Preferred benefits
  • Coverage area
  • Budgetary requirements
  • Pre-existing conditions to consider

Health Insurance FAQs

Health insurance prices vary greatly depending on a number of factors, including age, benefits, coverage area, provider quality and much more. As an agency, we can offer over 10,000 plan combinations from 30+ providers, so a fixed premium chart isn't feasible.
Both Vietnam and Thailand have modern facilities catering to both expats and locals alike. While Thailand is more known for medical tourism due to its state-of-the-art facilities and economical pricing, health services in Vietnam are very impressive and surprisingly affordable.

Despite these advantages, it is still recommended that expats and travelers planning to visit or live in these locations have reliable international health insurance. Westerners may find medical amenities lacking in comparison to their own countries and while most health services are generally cheaper in this region of the world, medical bills can easily add up depending on the procedure.
You will need to fill out a medical questionnaire which is on the application form. Health checks are only required in the unlikely event that something about your application warrants more medical information before a final offer is made.
You can pay by bank transfer, debit or credit card.
Yes, if you have a preferred payment period, please bring this up in your initial consultation so we can recommend a provider that allows you to pay monthly or quarterly. If you pay with installments, the provider will include a surcharge,
Yes, you are able to get a VAT invoice from many insurers. Just let us know.
Most providers will exclude: pre-existing conditions (unless otherwise declared), non-medically required treatments, certain unreferred treatments, cosmetic procedures, claims for doing anything illegal, claims outside your coverage area and more.
Pre-existing conditions can sometimes be covered; they are handled on a case-by-case basis by each provider. They will need to be declared on the application form and accepted by the provider in order to be covered. If the condition is too risky or serious, then you will usually be accepted into the policy, but with the condition excluded. If you want to have a pre-existing condition covered, be ready to provide supplemental paperwork, which can include previous medical records or questionnaires.
We recommend providers and plans based on our clients' needs. Generally speaking, we focus on mid-tier providers that have been well vetted and do not cause our clients and Tenzing undue headaches.
Yes, certainly we can help with that. Most providers require at least one adult, but we have providers that can do child-only policies.
International health insurance works by applying to an insurance provider, declaring your medical history and based on your risk profile, the provider will offer you an insurance plan.

If you're standard risk, you will get the advertised base rates for the plan you selected.

If you have a riskier profile due to health conditions, job risks, high BMI, etc., then the provider can charge you a surcharge to accept you into their plans.
The premium is the price you pay for the plan that you purchase, which is based on your risk profile.
Many providers are extending the maximum age for new applicants; this will vary from provider to provider. Most providers stop accepting applicants at age 65, 70 or 75. There could be additional costs, or medical exams required to sign up.

Still have questions?

Feel free to speak to us during business hours

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Head office address:

103 Pham Viet Chanh
Binh Thanh District
Ho Chi Minh City, 70000, Vietnam
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Call for a consultation:

+84 028 3821 5367
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Email for information:

Info@ten-pac.com
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Open Hours:

Mon – Fri: 8.30 am – 6 pm, Saturday – Sunday: CLOSED

Johannes Heikkila

Advisor
From Finland
Expat for 1 year
Speak Finnish, English & Spanish

Speciality:
- Health Insurance
- Savings Plans

Robert Cunningham

Advisor
From the UK
Expat for 13 years in Thailand & Vietnam
5 years' insurance & financial services

Speciality:
- Health Insurance
- Life Insurance
- Savings Plans

Romain Camillo

Senior Advisor
11 Years in Insurance & Financial Services
Expat in thailand for 7 years
Joined Tenzing in 2020
Speaks French & English


Speciality:
- Health Insurance
- Life Insurance
- Savings Plans"

Nancy Dao

Advisor
From Vietnam
International Business from UK
Lived in Singapore
Speaks Vietnamese & English

Speciality:
- Personal Health Insurance
- Group Health Insurance

Hunter Deems

Advisor
10 years' experience in insurance and investments
Joined Tenzing in early 2020

Speciality:
- Investments
- Savings Plan
- Health & Life Insurance
Patrik Shore Tenzing Pacific Services

Patrik Shore

Senior Advisor
From Sweden & New Zealand
7 years' insurance experience
Joined Tenzing in 2019
Crim Science
Speaks English and Swedish

Speciality:
- Savings Plans
- Health Insurance
- Life Insurance

Geoffrey Mann

Advisor
From the US
Employee benefits & insurance compliance background
Joined the Tenzing team in 2019
Law degree from the US

Speciality:
- Personal Health

Nhu Nguyen

Senior Advisor
From Vietnam
Joined Tenzing in 2017
Fluent in Vietnamese & English

Speciality:
- Group Health & Life Insurance
- Personal Health"

Ian Comandao

Health Insurance Manager
From Philippines
MBA from Duke University
Expat for 20 years in US, China, Hong Kong & Vietnam Worked at Tenzing since 2018
Fluent in English, Tagalog, Mandarin

Speciality:
- Personal Health Insurance
- Group Health Insurance
- Business Insurance

Craig McAvinue

Director of Wealth Management
From the UK
25 years' expereince in investments & insurance
Expat in Thailand for 5 years
Chartered Accountant by trade
Holistic approach to consulting his clients

Speciality:
- Investments
- Savings Plans
- Health & Life Insurance

Quinn Miller

CEO & Managing Partner
From the US
Joined Tenzing in 2014
Expat for 10 years in Vietnam
Finance & Entrepreneurship Degrees

Speciality:
- Group Health Insurance
- Life Insurance
- Savings Plans"
  • 84 35857 2629
  • 84 35857 2629
  • quinn.miller@ten-pac.com

Quinn Miller

CEO & Managing Partner
From the US
Joined Tenzing in 2014
Expat for 10 years in Vietnam
Finance & Entrepreneurship Degrees

Speciality:
- Group Health Insurance
- Life Insurance
- Savings Plans"