5 Best Travel Insurance Plans for Vietnam from India (2026)
The right travel insurance for Vietnam from India depends on who's traveling and how you'll get around. We compare five plans an Indian resident can buy on the medical limit, evacuation, how the hospital gets paid, who fits on the policy, and motorbike rules, plus three India-specific catches: the International Driving Permit (IDP), Phu Quoc visas, and age limits for parents.
Best Travel Insurance for Vietnam from India
Vietnam has become an easy holiday from India, with nonstop flights from Delhi and Mumbai. Travelers go for Ha Long Bay cruises, the Hoi An lantern festival, and beach days in Da Nang, and families add street food tours the kids actually enjoy.
What doesn't get talked about enough is what happens when something goes wrong. Vietnam's private hospitals are solid in the major cities, but they may ask for payment or proof of insurance before treatment. Your Indian health policy usually won't cover treatment abroad. And on Phu Quoc island or in Ha Giang, the nearest hospital that can handle a serious case could be hours away, sometimes in a different city entirely.
A quick disclosure: LUMA Travel publishes this article, and LUMA is one of the five options. We asked the same questions of every plan, and every plan figure comes from the insurer's own pages or policy documents, checked in November 2026. If you want the numbers first, skip to the comparison tables.
How We Compared These Plans
We started with the plans in the earlier versions of this article and the insurers that show up when Indians search for Vietnam travel insurance. For LUMA, Tata AIG, and Niva Bupa we read policy documents; for HDFC ERGO and Bajaj General, their Vietnam pages. We didn't buy policies or file test claims.
MakeMyTrip and Goibibo are booking sites, not insurers. The insurance they sell is issued by Tata AIG, so it sits inside the Tata AIG card. ICICI Lombard also sells overseas travel insurance, but its plan documents couldn't be checked for this update, so it isn't compared.
The plans are numbered for navigation, not ranked. LUMA comes first because it's our plan. Limits are in US dollars, the way the insurers state them.
What Matters Most for a Vietnam Trip
Medical limit, per person
The medical limit is the most a plan pays for your treatment. Several insurers here sell the same plan at different levels, so when a site quotes one figure, check which level it belongs to. On a family floater, one sum insured is shared by everyone on the policy, and it can get stretched if two people need care on the same trip. So ask: is the limit per person or shared?
Where you travel matters too. Hanoi and Ho Chi Minh City have international-facing private hospitals such as Vinmec, FV Hospital, and Hanoi French Hospital, and care is also easier to reach in Da Nang. In Ha Giang, Sapa, Ninh Binh, Phu Quoc, or smaller coastal towns, the nearest clinic may not have pediatric support, advanced imaging, or specialist care, and the hard part becomes deciding whether to stay or move.
Evacuation and transfers
Medical evacuation moves you to the nearest hospital that can treat you, and repatriation brings you home to India. From mountains, islands, or small towns, that can mean an ambulance and a move to Hanoi or Ho Chi Minh City. LUMA's Vietnam page notes that serious cases are sometimes moved to Bangkok or Singapore.
LUMA, Tata AIG, and Niva Bupa work through an assistance company, the 24/7 emergency service an insurer uses to organize care (Europ Assistance, in LUMA's case). Call its line before you book a flight or boat yourself. For an ambulance in Vietnam, dial 115; our guide on what to do in a medical emergency in Vietnam covers the next steps.
How the hospital gets paid
A cashless claim, also called direct billing, means the insurer pays the hospital for you. Without it, you pay on your card and claim the money back later, which matters when a hospital wants payment or proof of insurance before it treats or admits you.
Cashless care starts with a call. Pre-authorization means getting the insurer's approval before treatment. Tata AIG's Asia prospectus says services costing more than US$1 aren't covered unless the assistance company authorizes them in advance, and LUMA's table of benefits requires pre-approval for all inpatient treatment. HDFC ERGO and Bajaj General advertise cashless networks on their Vietnam pages, so ask them how they pay a Vietnamese hospital and what you need to do first.
The 5 Plans Compared
"Included" means the insurer lists the benefit without stating an amount. "Not confirmed" means we couldn't confirm it from the insurer's own pages or documents we read in November 2026, not that the cover doesn't exist, so ask before you buy.
5 Best Travel Insurance Plans for Vietnam from India
LUMA Travel
Best for: Travelers who want medical guidance from a team in the region, including families with parents up to 75.
LUMA Travel is built on the medical expertise of LUMA Health and has a team on the ground in Ho Chi Minh City. Medipro, LUMA's in-house medical team, is led by a French physician, and 24/7 assistance runs through Europ Assistance. You can buy online from India; LUMA matches cover to your route when you get a quote, and you choose the plan level.
Say you're in Phong Nha with an injury and don't know whether the local clinic can handle it. Medipro helps you judge whether a nearby clinic is enough or whether to head to a bigger hospital in Da Nang, while LUMA covers eligible treatment costs according to your policy.
- Medical: Up to USD 1,000,000 per traveler, depending on plan level. Each insured traveler has their own medical limit.
- Evacuation: Up to USD 1,000,000 for evacuation and repatriation at every plan level, arranged by the assistance company.
- Hospital payment: Direct billing when expected costs are over USD 1,000 and pre-authorized by LUMA, so contact LUMA as soon as you reach care. Smaller bills you pay and claim back.
- Family and ages: Sold from age 4 weeks to 75. Children under 7 must travel with an insured adult. Higher plan levels add a family member visit and return of children.
- Motorbike: Riders and passengers are covered, with no conditions listed for passengers. For riders, LUMA's policy asks you to follow local law, and riding without a valid license can affect your cover.
- Good to know: Trips of up to 180 days. Trip cancellation and baggage cover depend on plan level. Underwriters include Bao Long Insurance Corporation, a Vietnamese insurer, and Rock Mutual; your quote confirms which applies.
- Watch out for: Pre-existing conditions, incidents involving alcohol or drugs, extreme sports, scuba diving (snorkeling is covered), pregnancy, and mental health are excluded. You have to buy before you leave India.
LUMA's page on travel insurance for Vietnam lists what's covered and excluded.
Tata AIG Travel Insurance Asia
Best for: A familiar Indian insurer with a published price, and anyone adding insurance to a MakeMyTrip or Goibibo booking.
The Asia plan comes in three set levels, for individuals or families. Its Asia plan prospectus sets out the age, family, and assistance rules.
- Medical: USD 50,000 (Silver), 100,000 (Silver Plus), or 200,000 (Gold).
- Evacuation: Listed as included at all three levels on Tata AIG's Vietnam page, without an amount.
- Hospital payment: Cashless through Tata AIG's assistance network, or pay and claim back. Because of the US$1 authorization rule, call before any treatment.
- Family and ages: Ages 6 months to 70 for single trips. A family policy covers you, your spouse, and dependent children.
- Motorbike: A rule for ordinary riding isn't published in the Asia policy wording we read, which does exclude races and rallies. Ask before you rent.
- Good to know: A MakeMyTrip or Goibibo add-on is issued by Tata AIG as a group policy, as Goibibo's Vietnam travel insurance page states. It's a separate product from the Asia plan, so read its limits at checkout.
- Watch out for: Anyone over 70 falls outside the Asia plan's age range, and parents aren't part of its family definition, so they'd need their own policy.
HDFC ERGO Travel Insurance
Best for: A familiar Indian insurer with a wide range of coverage amounts and a large advertised cashless network.
HDFC ERGO's Vietnam travel insurance page says it has over 1 lakh (100,000) partner hospitals worldwide.
- Medical: Overall coverage amounts from USD 40,000 to USD 1,000,000, depending on the plan.
- Evacuation: The page says emergency medical evacuation and repatriation are reimbursed, without stating an amount.
- Hospital payment: Cashless claims at those partner hospitals, per HDFC ERGO. Ask how it pays a hospital in Vietnam.
- Family and ages: A family plan covers several members under one plan. We couldn't confirm the age limits, or whether the limit is shared or per person.
- Motorbike: Not confirmed. Ask before you rent.
- Watch out for: Adventure activities. HDFC ERGO's family travel page says an adventure sport injury isn't covered, while its Vietnam FAQ says it depends on the plan, so check your plan's wording.
Bajaj General Insurance (formerly Bajaj Allianz)
Best for: Building your own plan with a familiar Indian insurer.
Bajaj Allianz General Insurance became Bajaj General Insurance in 2025, so older reviews may use the old name. Its Vietnam travel insurance page offers a design-your-own plan.
- Medical: A choice of sums insured. Check the amounts in a quote.
- Evacuation: Not confirmed. Check the policy wording.
- Hospital payment: The page promises worldwide cashless hospitalization and no deductibles. Ask how cashless works at a Vietnamese hospital.
- Family and ages: Not confirmed. The page lists return of a minor child as a benefit.
- Good to know: If you're in hospital when the policy ends, the page says medical cover can extend up to 75 days after expiry.
- Watch out for: Adventure sports are excluded unless you add that benefit. Check ages, motorbike rules, and amounts in the policy wording.
Niva Bupa TravelAssure
Best for: Picking your own sum insured, with copay and deductible options.
TravelAssure is Niva Bupa Health Insurance's overseas travel plan; its international travel insurance page covers the options. Its customer information sheet says claims and emergency help run through Europ Assistance and Assist America.
- Medical: Nine emergency inpatient sum insured options, from USD 25,000 to USD 500,000.
- Evacuation: Not confirmed in the documents we read. Ask Niva Bupa.
- Hospital payment: Through its assistance partners. Ask whether a Vietnamese hospital can be paid directly.
- Family and ages: Not confirmed.
- Motorbike: Not confirmed. Adventure sports are excluded unless covered.
- Watch out for: An optional 20% copay, which means you pay 20% of covered costs if you choose it, and deductibles per benefit, with an optional waiver. The lowest option, USD 25,000, is less than the largest LUMA Vietnam claim below.
Traveling with Kids or Older Parents
Heat, humidity, long travel days, new food, and mosquitoes can wear children down quickly. A child with a high fever at midnight in Hoi An is not a situation where parents want to guess whether to watch symptoms, visit a clinic, or go to an emergency department. That's when you want a medical voice on the phone. With LUMA, Medipro can help you judge the next step.
For older parents, the first check is who counts as family. Tata AIG's Asia family policy covers you, your spouse, and dependent children, and the plan stops at 70, so parents need their own policy. LUMA sells cover up to 75 and insures each traveler individually, with their own medical limit. Tata AIG's family travel insurance page describes family cover as sharing the sum insured among members, without saying whether that applies to the Asia plan, so ask before you buy.
Visa and Driving Rules for Indians in Vietnam
Travel insurance isn't an entry requirement (see the FAQ, or our guide on whether travel insurance is mandatory for Vietnam from India), but your visa and how you get around both shape what happens in a medical emergency.
E-visa basics
Indian citizens need a visa for mainland Vietnam. You can apply at evisa.gov.vn, the official e-visa site of Vietnam's Immigration Department. The e-visa is valid for up to 90 days and costs USD 25 for single entry or USD 50 for multiple entry, non-refundable. You must enter through a designated border gate, which includes the main international airports.
Insurance isn't a condition of the e-visa, but the form asks whether you have health insurance arranged for your stay, and the official site doesn't say how a "No" answer is treated. Our Vietnam travel requirements guide covers the full application steps.
Phu Quoc visa-free trips
LUMA's Vietnam page notes that you can stay on Phu Quoc for up to 30 days without a visa if you fly directly to the island and stay there.
The Embassy of India in Hanoi has advised Indians to get a Vietnamese visa even for Phu Quoc-only trips, as VnExpress reported in April 2026. Visa-free entry lets you stay only on the island, and a medical emergency or flight disruption may mean traveling to Ho Chi Minh City or Hanoi. Without a visa, the embassy warned, travelers could face delays in getting healthcare.
Our take: if Phu Quoc is your only stop, get the e-visa anyway. It keeps a mainland hospital within reach.
Driving a motorbike
Vietnam's road traffic law (in Vietnamese) accepts a Vietnamese license, or an International Driving Permit issued by a member of the 1968 Vienna Convention on Road Traffic, carried with your home license for the same type of vehicle. An IDP is a permit you carry alongside your license, not a license on its own.
India signed the older 1949 Geneva Convention on Road Traffic and ratified it in 1962, and it isn't listed as a party to the 1968 convention in the UN Treaty Collection. Vietnam accepts IDPs from 1968 Vienna Convention countries, and India isn't one of them. So an IDP issued in India doesn't meet Vietnam's rule, and to ride legally you'd need a Vietnamese license.
That matters for your cover. LUMA's policy asks riders to follow local law, and riding without a valid license can affect your cover. We couldn't confirm a rider rule for the other four plans, so ask before you rent. On a short holiday, the practical answer is to ride on the back of a Grab bike or with a local tour driver, and check that your plan covers passengers.
What Hospital Care in Vietnam Has Cost LUMA Travelers
LUMA has published five Vietnam claims it covered. Here is what each hospital bill came to:
- Lower leg injury, Ho Chi Minh City, March 2026: USD 43,846 for two months of care, including 19 nights in hospital, an ambulance transfer, and more surgery.
- Thigh bone broken in several places, with nerve damage, Hanoi, September 2022: USD 7,189 for surgery and 8 nights in a private room.
- Viral brain infection, Ho Chi Minh City, August 2026: USD 3,903 for 18 nights in hospital.
- Head injuries, Hoi An and Da Nang, February 2026: USD 2,588 for an ambulance transfer, surgery, and 14 nights in hospital.
- Bruised thigh and knee, Phu Quoc, March 2023: USD 789 for a minor procedure.
These are individual cases, a sense of scale rather than an average. They vary widely: two stays of 14 and 18 nights each came to under USD 4,000. The leg injury bill alone is close to USD 50,000, the medical limit on Tata AIG's Silver level, and above Niva Bupa's lowest option of USD 25,000. That's the case for a limit with room to spare.
How Much Does Travel Insurance for Vietnam Cost from India?
Each insurer publishes its price on different assumptions, so there's no single figure to compare:
- LUMA Travel: from USD 12 per traveler (about ₹1,130). The rupee figure is approximate, converted at the November 2026 exchange rate, and moves as the rate changes. Your quote depends on trip length, ages, and plan level, and LUMA notes that travelers over 60 usually see higher premiums.
- Tata AIG Travel Insurance Asia: its filed premium chart lists ₹374 (Silver) and ₹446 (Gold) for 7 days at ages up to 35, and ₹648 and ₹774 at ages 56 to 70. The chart doesn't say whether GST is included.
- Niva Bupa TravelAssure: its page advertises cover from about ₹18 a day. We didn't find the trip, age, or sum insured behind that figure.
- HDFC ERGO and Bajaj General: you'll need a quote.
These samples aren't like-for-like, so we don't rank the plans on price. Older travelers pay more, so price your parents' cover separately.
Which Plan Fits Your Trip
Medical guidance and help on the ground: LUMA Travel, with Medipro and a team on the ground in Ho Chi Minh City. It fits if everyone is 75 or under, the trip is 180 days or less, and scuba diving isn't planned.
Parents over 70: LUMA sells cover up to 75; Tata AIG's Asia plan stops at 70. Ask the other three for their age limits.
Booking through MakeMyTrip or Goibibo: the policy is a Tata AIG group policy. Compare its limits with the plans here first.
A familiar Indian insurer with a cashless network: Tata AIG Asia, HDFC ERGO, or Bajaj General. Ask each how it pays a hospital in Vietnam.
Building your own cover: Bajaj General's design-your-own plan, or Niva Bupa TravelAssure.
If LUMA fits your trip, add your dates and travelers to get a quote.
Questions to Ask Before You Buy
- Is the medical limit per person, or shared across the family?
- What do I have to do before treatment for the insurer to pay the hospital, and is there a minimum bill?
- Who answers at 2 a.m., and will someone with medical training help me decide where to go?
- Who arranges an evacuation, and where can it take me?
- Are motorbike passengers covered? If I ride, what license does the policy expect?
- Can my parents be on the policy, and up to what age?
- Is anything on my itinerary excluded, such as adventure sports or scuba diving?
Frequently Asked Questions
No, not for tourist entry as of November 2026. The e-visa conditions don't require it, though the form asks whether you have health insurance arranged. Vietnam's Politburo called for compulsory insurance for international visitors in Resolution 26-NQ/TW, but the provision was dropped from the draft law in October 2026, and no start date has been set.
Usually not, so check your policy's overseas benefit. Even where a policy covers care abroad, a private hospital in Vietnam may ask for payment or proof of insurance first. Travel insurance adds an assistance line, help finding the right hospital, and cover for an emergency transfer.
It depends on who's traveling. For medical guidance on the ground or parents up to 75, LUMA Travel. For a familiar Indian insurer with a published price, Tata AIG Travel Insurance Asia. For an advertised cashless network, HDFC ERGO or Bajaj General. For choosing your own sum insured, Niva Bupa TravelAssure.
Policybazaar, an Indian insurance comparison site, suggests at least USD 50,000 for solo travelers and USD 250,000 to 500,000 for families and senior citizens. For scale, the largest of LUMA's five published Vietnam claims was USD 43,846, for a lower leg injury in Ho Chi Minh City.
It depends on whether you ride or sit on the back. LUMA covers passengers, such as on a Grab bike, with no conditions listed. For riders, LUMA's policy asks you to follow local law, and riding without a valid license can affect your cover. An IDP issued in India doesn't meet Vietnam's rule, because India isn't a 1968 Vienna Convention country.
LUMA starts from USD 12 per traveler, about ₹1,130 at the November 2026 exchange rate. Tata AIG's filed chart lists ₹374 (Silver) and ₹446 (Gold) for a 7-day Asia trip at ages up to 35, and Niva Bupa advertises cover from about ₹18 a day. These rest on different assumptions, so they aren't directly comparable.
Yes, as long as the policy is in place before you leave India. You can buy LUMA online in a few minutes, and the policy documents come through right after payment. LUMA can't be bought once you're in Vietnam.
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