Medical examination and treatment with international insurance

International insurance is a type of health or life insurance provided by global insurance companies, allowing participants to use it in many countries, including Vietnam.

You can use international insurance at hospitals and clinics that have a direct guarantee link with your insurance company. Some popular medical facilities:

• FV Hospital (HCMC).
• Vinmec Hospital (Hanoi, Da Nang, Ho Chi Minh City).
• Hong Ngoc Hospital (Hanoi).
• Family Medical Practice Clinic.

Benefits usually include:

• Inpatient and outpatient medical examination and treatment.
• Emergency treatment.
• Maternity, dentistry, vision.
• Emergency medical transportation (Air Ambulance).
• Medical examination and treatment in many countries.

An international insurance card is a document proving that you are an insured person, used to:

• Confirm information at the medical facility.
• Carry out procedures to guarantee hospital fees directly. Insurance will pay costs to the medical facility (within the scope of insurance).

To guarantee hospital fees, you need:

1. Go to a medical facility within the insurance company’s guarantee network.
2. Present your international insurance card and identification documents.
3. The medical facility will contact the insurance company to confirm benefits.
4. The insurance company pays the costs of the medical facility (within the scope of insurance).

Have. If there is no direct guarantee, you pay yourself in advance and send the following documents to the insurance company to request a refund:

• Medical bills and service details.
• Medical records.
• Identification documents and insurance cards.

Processing time is usually from 5 – 30 days, depending on the insurance company and the complexity of the application.

Depending on the insurance package, some insurance packages only apply to:

• Inpatient: Hospital treatment.
• Outpatient: Medical examination does not require hospitalization (depending on purchased benefits).

1. Check the list of guaranteed medical facilities in the area.
2. Contact the insurance company via the international hotline for instructions.
3. Go to the medical facility and present your insurance card.
4. If you cannot guarantee directly, keep the receipt to request a refund later.

Depending on the contract, some pre-existing conditions may:

• Covered by insurance after waiting period.
• Not covered if outside the scope of insurance.

Have. Many international insurance companies have representative offices in Vietnam or cooperate with domestic insurance agents to provide services.

• Contact the insurance company to report the loss and request a card reissue.

• Use the insurance policy number as a temporary replacement when medical examination and treatment is needed.