Vietnam is one of Asia’s rising stars. Its economy is growing rapidly, and so is its healthcare system. With a GDP per capita nearing USD 4,700, Vietnam is officially a lower-middle-income country, but it’s moving fast. In fact, by 2026, The World Bank predicts that over a quarter of the population will belong to the middle or upper class. That shift is pushing big improvements in public health services—yet there are still some important gaps to be aware of.
Whether you’re planning a short trip or moving here long-term, having solid health protection is essential. At Pacific Cross, we help you get health insurance expats Asia trust—because quality care matters.
Vietnam’s health system is growing fast. Public and private investments, international trade agreements like the EVFTA, and a growing demand for quality care are driving change.
But how does it all impact you as a traveler or expat?
Vietnam’s public health system serves the vast majority of the population. It’s structured across four levels—commune, district, provincial, and central—and supported heavily by government funding. Unfortunately, that also means chronic overcrowding, especially in big cities like Hanoi and Ho Chi Minh City, where hospitals often run at over 200% capacity.
If you want quicker access, newer facilities, and English-speaking staff, private healthcare is the way to go. Many expats in Vietnam choose private insurance so they can access international hospitals without long waits or language barriers.
We always recommend affordable Travel Insurance or international Health Insurance plans that include private hospital access—especially if you’re planning to stay more than a few weeks.
A big challenge in Vietnam’s public healthcare is staffing. The country produces many skilled graduates, but most prefer the higher pay and better conditions in the private sector or abroad. Combine that with outdated medical equipment in public hospitals, and it's easy to see why many patients opt for private care instead.
As Vietnam modernizes, though, more investments are being made in upgrading equipment—particularly through foreign partnerships. This makes private hospitals much better equipped to handle complex procedures.
Here’s the good news: even private care in Vietnam is much cheaper than in many Western countries. Here’s a quick look at what you might pay without insurance:
But here’s the catch—if you’re not covered, these costs add up fast. That’s why Travel Insurance in Asia is such a smart move, even for short trips. It offers peace of mind, and with Pacific Cross, you can find affordable Travel Insurance tailored to your plans.
Vietnam’s public system is largely funded by government contributions, plus out-of-pocket payments and a growing base of social health insurance. Coverage includes:
However, foreigners often don’t qualify for subsidized care, unless they’re permanent residents and part of the local tax system. So for most expats and digital nomads, private or international insurance is a must.
If you’re unsure, let Pacific Cross help you get health insurance expats Asia need for peace of mind—whether you’re working, studying, or just soaking in the culture.
Expecting a baby while in Vietnam? Many expats choose top-tier international hospitals like Hanoi French Hospital (HFH) or FV Hospital in Ho Chi Minh City. These facilities offer Western-standard maternity services with English-speaking staff and full prenatal/postnatal care. Costs range from USD 1,500 to 6,000, depending on your delivery needs.
Public hospitals can cost as little as USD 45, but expect limited comfort and communication challenges. Private health insurance can help cover everything from prenatal appointments to emergency delivery care—giving you options and control over your birth plan.
Vietnam’s healthcare sector is headed in the right direction. New hospitals are opening in developing areas like Nha Trang, Vung Tau, and Phu Quoc. In major cities, internationally accredited hospitals are setting new standards for care.
Still, coverage isn’t equal everywhere. Urban centers offer excellent care, but rural facilities may lack basic equipment and foreign-language staff. For that reason, Travel Insurance Asia that includes medical evacuation is worth every penny.
Whether you’re relocating to Vietnam for work or visiting Southeast Asia for a few months, don’t leave your health to chance. At Pacific Cross, we specialize in Health Insurance in Asia that works for expats and travellers alike.
Here’s what to look for in a plan:
Need help picking the right policy? Reach out today—we’ll help you compare your options and find a plan that suits your trip, budget, and lifestyle.
