Monday, 23 November 2015

Story: Baby born in a car with Mum

Posted by 莊麗萍 on Thursday, October 8, 2015

Vietnam Hospital or Clinics Network with Bupa

Health Care in Asia 2014

Tuesday, 3 November 2015

New Bupa Maternity Waiting Period in Singapore

Bupa has changed their policy on Waiting Periods that affect Maternity Insurance plans in Singapore.

In October 2014, Bupa Global released news of a major insurance policy modification regarding waiting periods applicable to pregnancy plans within Bupa’s main international health insurance policy product - Bupa WHO (Worldwide Health Options) and the associated benefits. Waiting periods, or moratoriums concern to the measure of time that an someone must wait before any maternity-related treatments can be covered as part of an insurance policy and will generally range from 10 to 24 months. As maternity care and the related costs can quickly get very expensive, these periods of time protect insurance companies from losing too much money from paying out on instant claims fees.

The waiting period applicable for any new Bupa policies starting after October 1st will change from 10 months to 24 months, meaning that maternity-related treatments can only be covered if they occur at least 24 months after the policy has begun. Clients should note however that Bupa has since confirmed that the change will not affect existing customers who purchase a policy before October 1st. Furthermore, this longer waiting period will not apply to the ‘Lifeline’ range of plans (also available to individuals).

It should also be celebrated that if an existing member were to add a spouse (wife) to their policy, the moratorium period on maternity benefits would remain as 10 months. Corporate insurance policy plans will also remain unaffected.

No other significant changes have been made to the plan in terms of the actual benefits offered to members, which still remain to be highly comprehensive and include coverage for items such as child delivery in hospital, complications inclusive of medically-necessary C-sections and excellent new-born care benefits.

For some individuals, purchasing maternity insurance policy 24 months before starting a family can seem like too great a deal of scope to encompass, yet while shorter waiting periods are available, the average amount of time still falls at around 12 months. In light of this, and the fact that costs of motherhood care are rising, As a top insurance agency in Singapore we strongly recommends looking at comprehensive maternity benefits ahead of time on in the process of starting a family so to be sure that childbirth and more significantly, any unanticipated complications, are covered by an comprehensive insurance policy plan.

The change to Bupa insurance policy is thought to be a event of the rising costs for child delivery across the world, particularly in Singapore and Asia, and it is expected that other insurers will likely follow suit and initiate similar measures in the future.

For more information regarding Bupa’s policy change, waiting periods or any other maternity insurance queries, please do not hesitate to contact us. Our team of experts know exactly which insurers offer which benefits on their maternity insurance policies and can talk you through this somewhat daunting process to find the best plan to suit your growing family.

For a No obligation quote, please request for an appointment by filling in your details, our team will get back to you:

Bupa Global - Unveiling our new range of health plans

Discover our new range of global health plans, launched in 2015 for UK residents only. Find out more at

Health costs expected to get even higher

HA NOI — About 774,000 households in Viet Nam fall into poverty due to high treatment costs at hospitals regardless of whether they are given financial support, the World Health Organisation revealed at a two-day conference on Tuesday. 

Speaking at the conference held by the Ministry of Health, Nguyen Thi Kim Phuong, from the Viet Nam-based WHO, said that the study, under the co-operation of WHO and Ha Noi Medical University, showed that costs were increasing year by year. About 598,000 households fell into poverty after having treatment at hospitals in 2004, 694,000 in 2006 and 774,000 in 2008. 

The rate of Vietnamese households who have to spend the steep health costs, more than 40 per cent of their income except for necessities, accounts for 6 per cent or nearly 1.2 million households. 

Among them, poor households, households near the poverty line, with chronic patients and with the elderly are the most vulnerable groups, Phuong said. 

However, the role of health insurance to protect against huge expenses remains limited. 

Figures from the Viet Nam Health Economics Association showed that households' spending for health services made up 52.4 per cent of total social spending in 2008. The spending from the Health Insurance Fund only accounted for 17.6 per cent even though about 44 per cent of the population got health insurance. 

The reason, according to PhD Nguyen Van Tien, vice chairman of the National Assembly Social Affairs Committee, is that patients have to pay for health services and drugs at prices as high as those in developed countries. 

 "The poor have high demand for medical care but low access ability. They receive treatment about 3 times per year on average while other groups receive it 5 times per year. For those who even get financial support from health insurance, hospital fees for each treatment are equivalent to 10 months of expenses, excluding food costs," PhD Ly Ngoc Kinh, former director of the ministry's Medical Treatment Department, said. 

Meanwhile, total spending for the health sector was only 6.4 per cent of GDP and the average health cost was VND1.1 million ($60) per year. 

 Apart from expensive healthcare, patients are suffering from low-quality services, especially in rural areas. 

 Deputy director of the ministry's Health Insurance Department Nghiem Tran Dung reported that Bach Mai Hospital's experts found out that between 7.1 and 48 per cent out of 416 X-ray films from six hospitals in Thanh Hoa, Phu Yen and Yen Bai provinces were substandard due to improper poses and incorrect techniques. 

About 22.6 to 61 per cent of X-ray results failed to match experts' diagnoses, resulting in incorrect diagnoses for patients. 

A report from a Ha Noi hospital showed that antibiotics were popular at pharmacies, accounting for nearly 100 per cent of prescriptions in several wards, although half of these drugs were said to be unnecessary. 

At the meeting, representatives said that increasing hospital fees would improve service quality. PhD Pham Manh Hung, former vice minister of health, said that the current fees have been applied since 1995 and are no longer suitable due to currency depreciation. 

"Patients are still spending a large amount of money for drugs and medical materials during their treatments while accepting low-quality services. The health sector faces a shortage of capital for development and the moral hazard of several health staff," he said. 

 The ministry submitted proposals to increase hospital fees several times this year. The proposal last July was received with hostility from the public as the new costs were between seven and 10 times the existing ones. 

Director of the ministry's Finance and Planning Department Pham Le Tuan suggested the financial adjustment be considered carefully, taking into account benefits of health systems, hospitals and patients. 

Health insurance payments should be improved and private hospital incomes must be minimised and there must be satisfactory policies for health workers, Tuan said. 

Representatives also suggested implementing health insurance for everyone. The State and the community should encourage the health sector to improve quality. 

From VietNamNews 


Vietnam sees need for more staff in health care

Heath experts from Vietnam, Thailand and Bangladesh discussed measures to improve human resource development in the heath care sector at an international conference in Hanoi on April 28. 

Students at Thai Binh Medical University (Source: VNA)

The event was organised by Hanoi School of Public Health and the Health Ministry.
With an aim of increasing equality in the health care services in Asian countries by renewing personnel training, speeches delivered at the conference focused on analysing national plans on human resource development and orientations for the renovation. The participants also took the occasion to share their countries’ experience in this field.

Vietnam now has 26 medical and pharmaceutical training establishments, which have trained 43,292 doctors and over 77,000 nurses and orderlies.

In an effort to deal with human resource shortages in localities, the Health Ministry will carry out an array of measures such as dispatching in shifts more health workers to localities, revamping policies benefiting health workers in remote areas and increasing investment in infrastructure.

From VietNamPlus

Thursday, 29 October 2015

Abbott: Continuing its committed journey to improve the health of Vietnamese people.

Vietnam and the U.S. are celebrating 20 years of normalized economic relations. Since 1995, a lot of things have changed for business as the country has been developing rapidly. Abbott’s history in Vietnam is a successful example of the growing Vietnam-U.S. relations. Abbott arrived in Vietnam 20 years ago with a single container of Similac and started with a team of 40 employees. On October 27, the healthcare company has nearly 2,600 employees throughout Vietnam.

Adam R. Sitkoff, executive director of AmCham Hanoi, said, “Many U.S. companies that arrived 20 years ago benefited from a first-mover advantage, establishing their presence and building their distribution network very early. Some may have faced challenges when hitting the Vietnamese market before it was fully ready, however, on October 27’s successful U.S. companies are those that have been able to stay and harmonize their development perfectly with the growth of Vietnam’s society and economy.”

Addressing local needs and challenges

Over the past 20 years, healthcare needs and challenges in Vietnam have changed significantly. The country now has been confronted with the double burden of malnutrition that includes both under nutrition and overweight. The economic growth has changed the lifestyles and eating habits of Vietnamese people. The prevalence of obesity and nutrition-related chronic diseases, like diabetes, has increased. Furthermore, Vietnam’s population is growing and aging, thus increasing the number of people seeking hospital treatment or specific healthcare services. This puts more pressure on hospitals and healthcare providers.

The Government has made remarkable progress in improving access to healthcare and enhancing overall health, however, there are many needs that remain unmet. Abbott benefited from its early presence in Vietnam and continuously worked to stay relevant in an environment where healthcare needs and demands changed at a rapid pace. Joe Manning, vice president, Abbott Nutrition Pacific Asia, shared, “All around the world Abbott provides science-based products of high quality. But how the company deploys this is different everywhere: it does so in a way that is relevant locally. Abbott works every day to address the local needs and health challenges that consumers and healthcare professionals are facing.”

In alignment with this philosophy, Abbott has grown in Vietnam from a single nutrition product for children introduced in 1995, to a broad and diverse portfolio on October 27, including nutritional products, medicines, diagnostics and medical devices. In doing so, Abbott works to keep pace with the changing healthcare demands of Vietnamese people. Technologies and innovations enable the company to support people and their health goals, at every stage of their lives.

Abbott has never hesitated to bring its global health innovations to Vietnam. In 2006, Abbott launched Abbott Grow, reflecting the company’s commitment to producing high-quality products that support the development of young children at prices that are more affordable. In 2012, Abbott’s medical devices business introduced Absorb in Vietnam – the world’s first device used in the heart that functions like a stent and dissolves over time. In 2014, doctors at Bach Mai Hospital were the first in Vietnam to offer people suffering from a heart valve condition called mitral regurgitation (MR), a new minimally invasive treatment option called MitraClip, made by Abbott. The MitraClip device is a catheter-based treatment which allows doctors to treat MR inside a beating heart, thereby avoiding open heart surgery, which is important for people who are not good candidates for surgery due to issues such as poor general health and frailty.

Putting community involvement at the core

The way Abbott responds to Vietnam’s healthcare challenges goes farther than providing relevant products and making world-class healthcare solutions accessible for Vietnamese people. In Vietnam, Abbott and its foundation, the Abbott Fund, have provided nearly VND230 billion (US$10.2 million) in grants and product donations to address critical health issues through partnerships focused on improving nutrition, training health care staff, strengthening health systems, and expanding community education through symposiums, workshops and overall nutrition knowledge transfer.

Sitkoff from AmCham Hanoi said: “The success of companies and communities is intertwined. Successful U.S. companies in Vietnam have been able to benefit from the growing U.S.-Vietnam economic ties, but also take pride in helping Vietnam to grow at the same time. Companies that act as a true member of Vietnam’s community see the value of their brand increase, create consumer loyalty and gain respect as an employer.

“In the past 20 years, Vietnam-U.S. relations have advanced thanks to mutual respect and mutual benefit. You can see a lot of optimism among the Vietnamese population. It is their belief in economic and social development that will be the true engine for the future growth of U.S. companies in Vietnam.”

Friday, 23 October 2015

A road scene in Ho Chi Minh City

Facilities Finder app

Bupa International members can now access our network of hospitals and clinics with the Facilities Finder app, which is available for iPhone, iPad and Android phones. It lets you search for medical providers based on geographical location or speciality.

When you have selected a medical facility where you would like to be treated, you can send an email to our pre-authorisation team who will start the process of arranging and paying for your treatment. All we ask is that you add your your name, contact details and membership number the first time you use the app.
The video above takes you through the simple steps of searching for a medical facility and applying for pre-authorisation of treatment.

Key app features

  • Search for a medical facility by region, country, city, type or medical speciality
  • Find a medical facility near you, using GPS-enabled map search
  • Request prior approval for upcoming medical treatment
  • Create a favourites list of medical facilities you regularly use
  • Access useful contact details, wherever you are
The app is currently available if you have an iTunes account in one of the EU countries. We are working to make it available worldwide later in 2011.
Feel free to email us if you have any questions or comments about the app.


* Global health insurance covering your employees worldwide and in their country of residence

* Annual insurance covering your employees in and outside of work

* Access to over 7,500 participating hospitals and clinics worldwide

* Comprehensive plan at a competitive price to aid crew retention

* Our optional assistance cover includes 24-hour multilingual Bupa HealthLine, evacuation and repatriation.

* Bupa - a name trusted by over 15 million people in 200 countries

* Transfer of existing Bupa Healthcare Plan cover is available.

$2.5 million inpatient/outpatient annual coverage for the following:
  - Hospital, surgery & specialist consultation fees
  - Nursing, Hospice & Palliative care
  - Rehabilitation
  - Prosthetic implants & device
  - Childbirth & maternity care
  - Hospital cash benefit
  - Psychiatric treatment
  - Medical equipment rental
  - Long term prescription medicines
  - Full health screening
  - Vaccinations & Immunizations
  - Dental for preventive & orthodontic
  - Optical care
  - Worldwide evacuation & repatriation

Please email to for a non obligation quote.

Wednesday, 7 October 2015

International Medical Insurance - Expatriates in Vietnam

Bupa Worldwide Health Options is Bupa's menu-driven plan for individuals and families. It allows you to build cover that matches your situation and gives you quick access to private treatment whenever you need it. You start with our core benefit (Worldwide Medical Insurance) and simply add whatever other modules you like, from those available.

These can be anything from additional out-patient benefits and health assessments, to cover for worldwide medicines and evacuation. Or you might also want to consider our USA cover option. There is something for everyone. The flexibility isn't restricted to the product features and modules-there are plenty of ways to reduce subscriptions too.

For example, Bupa have included excess options (known as deductibles) that will help reduce subscriptions in return for you making partial payment. Bupa really have thought of everything-you can even apply to include cover for pre-existing conditions - and the beauty of it is you won't ever end up paying for anything you don't want.

Sunday, 10 November 2013

Vietnam Medical Insurance For Expatriates

Today, maintaining healthcare costs as an expatriate could be ridiculous high for those average salary earner. It is not unusual to fork out US$1000 a month to protect yourselves in the case of a life-threatening event such as cancer or any critical illness if you do not have employer-paid health insurance. And if you need to extend your hospital stay, you may find your bill to amount to hundreds of thousands of dollars in medical care, not to mention ongoing requirements of prescription drug costs which may amount to hundreds of dollars for a single prescription, which you likely need to pay every month.

Although the government provide incentives to the public in the form of tax benefit to advance affordable health insurance for small business enterprise employees in group plans, few employers have availed themselves of this option. It is plainly too expensive. Small business owners as a foreign registered company are already strapped and the tax breaks offered do not measure up well.

This leaves the expatriates working in Vietnam's small and medium enterprises in the limbo. If you are driven to pay for your own insurance premiums, you may well find yourself in the situation of choosing between eating and being insured properly - so which is more important? Actually, there is no such thing as an affordable health insurance. If you are unfortunate enough to suffer a costly medical treatment, you may even have to go bankrupt just to stay alive. Life is just miserable when you are sick.

If your personal income falls at or goes below the poverty level, you may find yourself being able to qualify for affordable health insurance. Most countries have government funded insurance programs which helps pay for treatment in the case of life threatening conditions. You are then allowed medical treatment on a level that sustains life, but are disallowed certain privileges or procedures. Insurance premiums are determined on a sliding fee scale, depending on the total household income and the number of individuals in your family. Such premiums do fit the description of affordable health insurance, but are somehow lacking in the quality of care you can receive.

With Vietnam still growing as a strong economy into the global economy, getting good health insurance is a hot debate issue. However with a strong and wide Bupa hospital network, you can find yourself a peace of mind to trust on the Bupa Brand with over 15 million people in 195 countries. Bupa strong vision for 2020, is the new focus on the 5 market units to serve all our customers well and advanced.

The Basic Health Insurance Plans also includes:

  • Access to over seven thousand hospital networks around the world.
  • Have multilingual helpdesk for a 24 hours medical helpline.
  • Small cash plans which help you recover money spent on trips to the dentist or optician.
  • Private Medical Services on demand.
  • Healthcare assessment are done by healthcare professionals.
  • Care management and analytic services in select countries.

Ultimately,  keep yourself away from the hospital and the doctor. The less you use your coverage and the lower your rates will be. Make sure to invest some time and money into a healthy lifestyle living. You will benefit physically and emotionally, ultimately you will benefit financially through a healthy body and mind.

Learn about Bupa Health insurance and compare healthcare quotes with other top insurers with Us. You can drop an email to us at

Saturday, 9 November 2013

Mystery Skin Disease Kills 19 In Vietnam

A mystery skin infection, which has killed 19 people and affected hundreds, has left Vietnamese health authorities baffled. Vietnam is now asking for help from abroad to find out what exactly this disease is, what the cause is, and how to effectively treat it and stem its spread. Over 170 cases have been reported in Quang Ngai province, in the center of the country.

Patients start off with a high fever, loss of appetite, and a rash on the soles of their feet and palms of their hands. They can suffer liver problems, and eventually multiple organ failure. Local media inform that approximately 10% of infected people suffer from serious liver disorder.

Despite what it describes as extensive investigations, the country's Health Ministry does not know what the cause of the infection is.

Thanh Long, Vietnam's Deputy Health Minister, said: "This disease is challenging as we have not identified the root causes. If it is just an external skin disease why is it causing deaths and failures inside internal organs?"

The baffling skin infection initially affected people last year, but appeared to die out. Last month, however, it surfaced again.

Once the infection has set in, it is extremely difficult to treat effectively. If patients are treated early on, they have a good chance of being cured, health authorities inform.

According to local media, chemicals are suspected as the most likely culprits. However, laboratory tests carried out by the health ministry have come to a dead end. In another local report, further tests should provide some results within the next ten days.

The Vietnamese government is asking the US CDC (Centers for Disease Control and Prevention) as well as WHO (World Health Organization) to help find out what the cause might be.

Nearly 100 people are currently in hospital, being treated for this mystery disease - ten of them are described as "critical". Hospitals inform that those with milder signs and symptoms can be treated at home.

Twenty-nine patients who were effectively treated, have become ill again with the same symptoms.

Tarik Jarasevic, of WHO, in an interview with CBS, said:

"WHO is in contact with the Ministry of Health about this event and is ready to provide technical support. We are not aware of any reports of similar symptoms elsewhere in Viet Nam. The reports would suggest that the incident is localized and restricted to Ba To district."