OPES Insurance

OPES Insurance is a Hanoi-based digital non-life insurance provider established in 2018. Operating as a subsidiary of VPBank, one of Vietnam's major commercial banks, the company has rapidly grown to secure a top-ten market share in the country's competitive non-life insurance sector. Known for its tech-driven approach, OPES leverages digital platforms and automated claim processes to deliver streamlined financial protection.

For international buyers and expatriates securing residential property in Hanoi, OPES offers essential non-life coverage, including dedicated home insurance designed to protect physical structures and household assets. Beyond property protection, the insurer provides a suite of online personal products such as health, travel, and motor vehicle insurance. These digital-first policies allow property owners to manage their local coverage needs directly from their smartphones.

While OPES positions itself to serve the mass market with highly accessible, budget-friendly products, its primary clientele consists of local Vietnamese residents. However, the company accommodates international clients by offering services in both Vietnamese and English. Expatriates and non-resident buyers can easily navigate the digital application process, though they should expect a highly standardized, retail-focused experience rather than bespoke, high-net-worth advisory services.