Travel Insurance for Vietnam

Travel insurance is a risk management tool specially designed to protect travellers from additional expenses arising from unexpected risks. When travelling, a traveller may be exposed to dozens of medical and non-medical risks, and travel insurance protects against financial loss and a negative travel experience.

Whether it is countering medical emergencies where travellers are expected to pay a much higher healthcare cost or non-medical risks like trip cancellation or missed connecting flights, there are numerous benefits to opting for travel insurance for Vietnam.

While the impact of these risks can vary in severity and frequency, with the right Vietnam travel insurance, travellers can considerably mitigate the effects of these risks and travel confidently. Due to these risks and their impact, travellers are advised to insure their India to Vietnam trip with the right policy.

Travellers going on a trip to Vietnam from India must note that while it is relatively safe to travel there, there might be hidden or unexpected risks that can lead to financial loss and result in a negative experience. However, while you can calculate and account for a certain degree of risk when travelling abroad, the focus should be on gaining new experiences and creating lasting memories rather than worrying about risks.

Why waste time worrying about these risks when you can mitigate their impact and travel with confidence and peace of mind? This is why travel insurance in Vietnam is beneficial and highly recommended for all travellers, whether for leisure, business, or education.

When considering purchasing the best travel insurance for Vietnam, one must consider the benefits one provides over the other. Whether it is affordability, convenience, reliability, scope, or extent of coverage, there are numerous benefits to choosing travel insurance to Vietnam from Niva Bupa.

Here are a few key benefits you can look out for when purchasing Vietnam travel insurance:

• Niva Bupa provides a simple and affordable way to secure your Vietnam trip.
• Niva Bupa’s Vietnam travel insurance provides 24/7 assistance in case of any emergency.
• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.
• Student travellers are also covered for several additional risks, including 100% pre-existing disease coverage, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.
• Travellers are also covered for non-medical risks like lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions and cancellations, and personal liability. 

Travellers going on a trip to Vietnam can opt for Vietnam travel insurance under Niva Bupa’s TravelAssure policy. The policy includes dozens of coverages that ensure a traveller's financial safety and medical well-being. Depending on the travel destination and plan opted for, travellers can have access to dozens of these coverage options.

Here are a few key coverage options which Niva Bupa provides to travellers:

• Delay or loss of checked-in baggage: This coverage offers partial or complete reimbursement for significant delay or loss of checked-in baggage.
• Missed connecting flight: This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late.
• Loss of passport: This coverage reimburses you for the cost of applying for a new passport if the original is lost.
• Dental treatment: This coverage reimburses a pain-relieving dental treatment availed under anaesthesia.
• Trip delay, cancellation, interruption: These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, cancelled, or interrupted due to certain conditions mentioned in the policy document.
• Medical emergency (hospitalisation): This coverage offers reimbursement for the cost of medical treatment.
• Emergency outpatient treatment: This coverage reimburses any emergency treatment under OPD.
• Medical evacuation: This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care.
• Emergency trip extension: If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days.
• Personal accident: This coverage offers a payout of up to the sum insured for accidental death or disability.
• Repatriation of mortal remains: This coverage reimburses you for transporting the mortal remains of the traveller or the cost of cremation in the city/country of death.

There might also be additional coverage options depending on the type of travel; thus, it is vital to check the policy document for clarity on what is covered.  

While it is essential to consider what is covered when planning a trip to Vietnam, it is also imperative to consider what is not covered to get clarity and plan your trip accordingly. Here is a list of circumstances that Niva Bupa does not cover under travel insurance Vietnam:

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.
• Active participation in military exercises, war games, or engagement with the enemy.
• Any loss or injury due to committing or attempting to breach the law with criminal intent.
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.
• Maternity expenses.
• Non-prescription or unproven drugs or treatments.
• The provision of fitting of hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
• If the insured person is travelling against the advice of a doctor or is receiving or on a waiting list for specified medical treatment.
• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.
• Countries with travel restrictions for Indians.
• Medical tourism.
• Damages due to adventure sports unless part of coverage.
• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

Travellers must also remember that this list is just a summary of the exclusions. It is beneficial to refer to the policy document for a complete list of all specific exclusions and to protect yourself and your loved ones from financial loss or a negative travel experience.

Anyone looking to purchase Vietnam travel insurance to secure their trip should consider purchasing a policy from Niva Bupa. Whether you are travelling for leisure, business, or education, and whatever your criteria are, Niva Bupa offers the best travel insurance for Vietnam trips. Whether you wish for an affordable and cost-effective policy, a comprehensive policy which can cover dozens of risks, a simple and convenient way to purchase a policy or a reliable insurer with an effective claims process, consider Niva Bupa

Buying travel insurance for Vietnam from India has no particular eligibility criteria. However, specific basic requirements must be considered when purchasing insurance, which are as follows:

• Adults should be between the ages of 18 and 70.
• Dependent children can be up to the age of 25.
• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

Now that it is clear why it is crucial to buy international travel insurance and everything to keep in mind when purchasing one, you must also know that it is effortless to buy Vietnam travel insurance from Niva Bupa.

All you need to do is follow the given steps and be prepared to go for your international journey worry-free.

• Visit the Niva Bupa website and click Travel Insurance in the header.
• On that page, use the drop-down menu to select Vietnam, the departure and return dates, and the phone number.
• After clicking on view plans, you can check the destination-specific plans for Vietnam.
• There, you can select your needs, such as whether you are going alone or with family, whether it is an independent trip or a corporate visit; there are also plans for students and senior citizens.
• Review and select the appropriate plans, change the sum insured to the amount you want to insure for your trip and choose any add-ons.
• After this, click on “Next” and fill out the relevant information along with the medical declaration to purchase the plan of your choice.
• Once the payment is complete, the policy will be emailed to you.

While travellers are free to purchase insurance for travel to Vietnam until just before they start their journey, it is recommended that they do so as soon as they buy flight tickets. This is because travel insurance policies come with trip cancellation coverage but only apply once a policy duration starts. This means that if your trip is cancelled before the policy duration starts, you will miss out on compensation for non-refundable travel and accommodation expenses

Claiming settlement for your Vietnam travel insurance with Niva Bupa is super easy. With a simple, efficient and convenient process, Niva Bupa offers compensation for covered risks according to the policy document and cashless claims or reimbursement for medical emergencies.

Here are the steps to request a claim with Niva Bupa.

• To file a travel insurance claim, you first need to contact your insurer, Niva Bupa.
• If you are travelling overseas, you may also contact the global third-party administrator.
• You can raise a claim online, through e-mail, or even physically. You can do so both while overseas or when you return to India.
• You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency.

Cashless claim:

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer intimates the claim to Europ Assistance via a toll-free number or email.
• The TPA - Europ Assistance will contact the customer and provide them with the required for travel insurance for Vietnam details.
• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.
• Europ Assistance will ask for the documents from the hospital or the customer and, after assessing the claim, will send them to Niva Bupa for approval/rejection/query/investigation.
• Our medical team will approve the claim by e-mail.
• The GOP will be released to the hospital as per the amount claimed.
• The hospital will contact the Europ Assistance team if any additional amount is required.
• At discharge, documents will be sent to Europ assistance and approved accordingly.
• After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.

Reimbursement Claim 

• Claim form
• KYC
• Cancelled cheque of the proposer
• Discharge summary
• Final bill along with break up
• Payment receipt
• All investigation reports 

When planning a trip outside one’s country, it is essential to consider the legal requirements to enter the country. This is why if you are planning a trip to Vietnam, check out the following information. 

Vietnam is a country that allows Indians to get visas on arrival through e-visa. The government allows Indians to stay in the country for up to 90 days in a single trip. There are currently six types of visas a traveller can opt for when travelling to Vietnam.

• Tourist visa
• Business visa
• Student visa
• Working visa
• Investor visa
• Diplomatic visa

Each visa is further classified into various categories based on duration, eligibility, and what a traveller can do using a particular visa. 

• Passport with at least six months of validity from the date of arrival.
• Visa stamp on passport or documents required for Visa on Arrival (visa application form, copy of passport, return flight tickets, passport-size photographs, etc). Having a free page on the passport for a visa stamp is vital.
• Your return ticket and a travel itinerary.
• A cover letter that states your purpose of visit or an invitation letter if you are visiting someone in Vietnam.
• Sufficient currency in hand or proof of finances.

Blessed with a tropical monsoon climate, Vietnam typically experiences two seasons: Northeast monsoons and southwest monsoons. While Vietnam typically features varied weather due to the differences in topography, most travellers visit the country in Spring and Autumn, from February to April and August to October, respectively. The weather is relatively clear, with low rainfall and pleasant temperatures during these times. So, if you plan a trip to Vietnam, the months between February and April and August and October are the best.