MyHealth - April Insurance Vietnam plans for expats

Learn More About

Benefits you will get

MyHealth in Vietnam has four benefit categories; Inpatient, Outpatient, Dental and Maternity.  They are unique in the sense that offer modular benefits across their 3 plan levels:

  • Essential
  • Extensive
  • Elite

This means that you can choose the level of coverage you want for each category.  For exmaple, you could take: Essential Inpatient, Elite Outpatient & Extensive Dental. 

April Insurance Vietnam

Who is eligible for this plan ?

To be eligible for MyHealth in Vietnam, you must reside in Vietnam, Laos or Cambodia.  They accept local citizens and expats alike. April accepts new clients up to age 65 at the time of applying.  Their policies offer guaranteed renewability and lifetime renewability.  This means that regardless of your claims history or health condition, that you cannot be kicked off the plan, April will continue to renew your policy for as long as you continue to pay your renewal premium every year. 

Frequently Asked Questions about

MyHealth Insurance Plans

April Insurance Vietnam has 3 coverages areas to choose from:

  • Europe + ASEAN excluding Singapore
  • Worldwide excluding USA
  • Worldwide

With all options, you have 30 days coverage if you’re travelling outside of your coverage area, which covers you up to $100,000 for trips up to 30 days/trip for emergency hospitalization. 

April Vietnam has great plans for groups, whether that is a traditional corporate group to insure a company and their employees or an affinity group. 

April is one of the few providers to offer affinity group insurance, to cover members of a group that doesn’t follow a normal employer/employee relationship. This would be things like membership organizations, chambers of commerce, sports clubs, etc. 

For April’s normal groups, you can get significant group discounts starting at just two employees. Scroll down to the discount section below to see the corporate discount structure. 

April has two different types of applications you can fill out:

Full Medical Underwriting (FMU):  You will need to answer about 20 different personal medical questions. Any conditions declared will be evaluated and then they’ll either be accepted, excluded or accepthed with an additional charge. 

Moratorium: A short form application where you declare that you understand zero pre-existiting conditions will be covered in the first two consecutive years of being insured. After that pre-existing conditions can be considered for cover. 

Processing times:

  • Clean applications:  within 24 hours
  • Medical declarations: 2-4 business days

April has a very extensive direct billing network not only in Vietnam, but also all throughout Asia in places like Thailand, Singapore, Hong Kong, Indonesia, Philippines, Cambodia and beyond. This allows you to present your insurance card at the best hospitals and clinics in South East Asia and get cashless direct billing. 

If you go somewhere outside of the direct billing network or in the event you have to pay upfront, then you will need to go through the claims process.  

Claims can be submitted via April’s member app or through Tenzing’s customer service team. You will just need to submit scans of all your medical reports, test results, prescriptions and receipts. As of April 2021, original copies are no longer required for April Vietnam. 

April Vietnam has 3 different payment frequencies:

  • Annual
  • Semi-annual (+4%)
  • Quarterly (+5%)

If you pay with an installment, then 

You can pay in USD or VND with a bank transfer or with a card of your choice with an online payment, which is what most people opt for. 

You have 30 days to pay from your policy start date and a 30-day graceperiod to pay your renewal premium. 

April Vietnam will cover COVID-19 like any other illness and up to your policy’s benefit limits. For example, if you only take an inpatient policy, then you’re only covered for COVID treatments which require hospitalization. 

Quarantine costs are not covered, unless there is a diagnosis. 

April can provide an insurance COVID-19 certificate upon request should you need one for any reason. 

The main things that April doesn’t offer is affordable maternity plans, monthly payment installment or any options for Savings Plans or Life Insurance.

Popular

Direct Billing Partners

Sample Pricing for a 35-year old

Extensive

inpatient only
$ 96 Monthly
  • $1,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • Annual Checkup
  • Routine Dental
  • Maternity

Extensive

+ dental
$ 118 Monthly
  • $1,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • Annual Checkup
  • $700 Routine Dental
  • Maternity
Popular

Extensive

+ outpatient
$ 179 Monthly
  • $1,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • $750 Health Checks
  • Routine Dental
  • Maternity

Extensive

+ outpatient, dental
$ 205 Monthly
  • $1,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • $750 Health Checks
  • $2,200 Routine Dental
  • Maternity
Best Value

Similar Providers

Personal Discounts

Policy with 3 family members
7.5%
Policy with 4 family members
10%
Policy with 5+ family members
15%
$1,000 deductible
20%
$2,500 deductible
35%

Corporate Discounts

4 Employees
20%
5 Employees
25%
6-10 Employees
30%
11-15 Employees
35%
16+ Employees
40%

Documents

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