The insurance plans outlined on this page are designed for expats – people who are living outside their country. If you want high-quality health insurance for the short term (less than a year) while you travel, please visit our Travel Health Insurance page for information and online applications.
International Health Insurance
for Southeast Asia and beyond
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.
Insurance Simplified
Why Us?
Our services are completely FREE to you
The price you pay through Tenzing Pacific Services will be the same as buying directly from an insurance provider.
We work with dozens of insurance companies
We can offer a range of policies that actually suit your needs. An agent of an insurance company can only offer their company’s limited slate of policies.
Quotes are precise and objective
A brief consultation will allow one of our experts to recommend a handful of policies that fit your unique situation, expectations and budget. This includes an honest assessment of each plan’s pros and cons.
We provide year-round, 5-star customer service
We can help navigate the complexities of the international healthcare systems: find the right doctors, fix direct billing issues, get documents from hospitals or advocate on your behalf over claims disputes.
50+ Health Insurance Providers
Asia Insurance Experts
$0 extra costs to you
What customers say about us…
Read More
Jinny is the most patient and helpful person and we have been so lucky to have her on our side. She always takes initiative and has gone out of her way to help us to mediate with our hospital during our pregnancy, with our newborn baby and with all our other insurance needs. Jinny is always responsive to our emails and messages. She replies quickly and efficiently and goes above and beyond the call of duty to make sure that everything is in order. We are so grateful to Jinny for all that she has done for our family!
Read More
Good service, insurance support is worth the cost, I work with 2 friends Yen and Neyu who are very enthusiastic and kind, they are always dedicated to quickly solve the dossier and explain the packages in the contract. copper so that the buyer can use the best insurance packages. Sometimes it also helps to find information about hospitals and other issues when needed. My family thank you very much for your support
Read More
Sales department (Nancy Dao) as well as Claims department (Hien Nguyen) were very helpful and went out of their way to find solutions when I had problems. It was difficult at my age - 76 - to find an affordable health insurance - they did it. It's always a bit awkward to claim medical expenses and receive them in full and in time - they got them 😄 I can only recommend their efficient yet subtle services!!
Read More
Tenzing Pacific Services team is very proactive and cooperative. I would like to mention here specially Miss Mia and Cat Tran, they are always ready to help and support customers in best possible way. I have a very good experience with them. I will definitely recommend this company .
Read More
Highly appreciate the efforts made by Mia and Jinny. The two have been supporting me with a very professional attitudes. I don't know much about insurance and the two have guided and made it easy for me to follow. They are both very responsive and helpful.
Read More
I've been using Tenzing Pacific for almost 2 years now and have been really satisfied with their process and way of working. They are super reactive and always provide solutions with clarity. Definitely recommend their services !
Read More
I am an expat living in Vietnam. I was struggling to find the right health insurance but was so lucky to get support from Ms Y at Tenzing! The process of making the right choice was made very easy through her detailed explanations and support.
Read More
Highly recommend Tenzing for their professionalism, efficiency, and service options. I initially contacted Mr. Quinn who assigned Ms. Yen Le to me and I could not be more pleased. Ms. Yen Le is always quick to respond. She was very patient with my many questions and guided me to the answers I needed. Helpful, friendly, clear, and informative. The best service! Highly recommend for expat service needs.
Previous
Next
International Health Insurance
Our Providers
Enjoy
Cashless Direct Billing
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.
Inpatient
Covers major treatments which require overnight stays in hospitals for things like surgeries and related hospitalization expenses
Outpatient
Covers minor treatments where no hospitalization is required.
Read our blog article to learn the difference between Inpatient vs Outpatient.
Read our blog article to learn the difference between Inpatient vs Outpatient.
Dental
Get routine dental checkups and procedures covered, from minor visits to comprehensive procedures*
Maternity
includes routine delivery, pre & post natal visits, complications, newborn care and more*
*Waiting periods apply
*Waiting periods apply
Emergency
includes medical evacuation, repatriation of mortal remains, emergency room and ambulance services
Add-ons
include Life Insurance, Savings Plans, investment platform account or international bank account
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.
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.
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
Head office address:
103 Pham Viet Chanh
Binh Thanh District
Ho Chi Minh City, 70000, Vietnam
Binh Thanh District
Ho Chi Minh City, 70000, Vietnam
Call for a consultation:
+84 028 3821 5367
Email for information:
Info@ten-pac.com
Health Insurance Simplified
