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The best insurance in Vietnam: our comparison
What is the best home insurance in Vietnam for foreign owners?
01Bao Viet
4.2 / 5Vietnam's oldest and largest domestic insurer
IdéalBuyers wanting the widest local branch network and bundled home + fire cover
- Founded
- 1965 — Vietnam's first insurance company
- Ownership
- State-linked (Ministry of Finance / SCIC), with Sumitomo Life (Japan) as a strategic shareholder
- Listed
- Ho Chi Minh Stock Exchange (BVH)
- Core cover
- Home, fire & allied perils, motor, health, life (via Bao Viet Life)
- Foreign-owner access
- Non-residents can buy a policy in person or via a broker; documents accepted in Vietnamese, limited English forms
- +Largest domestic branch network in Vietnam
- +Long track record dating to 1965
- +Bundles home, fire and motor in one policy
- −English-language support is limited outside Hanoi and Ho Chi Minh City
- −Retail claims process can be slower than at international insurers
02PVI
4.0 / 5Vietnam's largest non-life insurer by premium
IdéalOwners of larger villas or investment blocks needing high-value property cover
- Founded
- 1996, spun out of PetroVietnam
- Ownership
- HDI Global / Talanx Group (Germany) holds a majority stake
- Listed
- Hanoi Stock Exchange (PVI)
- Core cover
- Property & construction, marine, energy, motor, and a growing retail home line
- Foreign-owner access
- Best arranged through a broker or the property developer's insurance desk; policies issued in Vietnamese with English summary on request
- +Strongest technical capacity for large-value property and construction risk
- +German (HDI/Talanx) reinsurance backing
- +Deep experience insuring residential developments, not just single units
- −Retail/home product is less consumer-focused than its commercial lines
- −English-language retail service is more limited than at Chubb or Liberty
03Chubb Vietnam
4.6 / 5Local arm of the world's largest listed property & casualty insurer
IdéalHigh-net-worth homeowners wanting English-first, global-standard claims handling
- Parent company
- Chubb Limited (Zurich-headquartered, NYSE: CB)
- Core cover
- Homeowners, high-value property, travel, personal accident
- Claims network
- Global claims infrastructure, English-language service as standard
- Foreign-owner access
- Full policy issuance and correspondence available in English; remote underwriting for owners based overseas
- +Global claims network and English-first service
- +Strong reputation for high-value homeowners and villa cover
- +Backed by the world's largest listed P&C insurer
- −Premium pricing versus Vietnam's domestic insurers
- −Fewer local branches than Bao Viet or PVI
04Liberty Insurance Vietnam
4.4 / 5One of Vietnam's first wholly foreign-owned non-life insurers
IdéalExpats wanting an English-speaking, foreign-owned insurer for home and health packages
- Parent company
- Liberty Mutual Insurance (Boston, US)
- Vietnam status
- Became 100% foreign-owned in 2013, after starting as a joint venture
- Core cover
- Home, motor, health, travel
- Foreign-owner access
- English-language application and policy documents; accepts non-resident owners without a Vietnamese bank account
- +English-language service as standard
- +Foreign-owned, with policy wording familiar to EU/US buyers
- +Home, health and travel cover bundled for expats
- −Smaller branch network than the state-linked insurers
- −Sums insured for luxury villas can be capped lower than at Chubb
05AIA Vietnam
4.3 / 5Pan-Asian life insurer with one of Vietnam's largest agency forces
IdéalLong-term residents wanting private health and critical-illness cover
- Parent company
- AIA Group (Hong Kong-listed, Asia-Pacific's largest independent life insurer)
- Vietnam entry
- 2000
- Core cover
- Life, health & critical illness, retirement savings — no standalone home/property line
- Foreign-owner access
- Requires a valid visa/TRC and, for larger sums, a local medical check; English-speaking agents in Hanoi
- +Large agency network and long Vietnam track record since 2000
- +Strong health and critical-illness product range
- +Pan-Asian claims portability for owners splitting time between countries
- −No standalone home or property insurance line
- −Underwriting for non-resident foreign buyers can require extra documentation
06Manulife Vietnam
4.0 / 5Canadian life insurer, one of Vietnam's first wholly foreign-owned life licences
IdéalBuyers wanting life cover bundled with savings or investment-linked plans
- Parent company
- Manulife Financial (Toronto, Canada)
- Vietnam entry
- 1999
- Core cover
- Life, health, savings & investment-linked products — no standalone home/property line
- Foreign-owner access
- Requires a valid visa/TRC and local underwriting review; English-speaking agents available in Hanoi and Ho Chi Minh City
- +Large, long-established life insurer in Vietnam since 1999
- +Broad savings and investment-linked product range
- +International parent with global underwriting standards
- −No standalone home or property insurance line
- −Bank-sold (bancassurance) policies need careful reading — a segment under tighter Vietnamese regulation since 2023
07Prudential Vietnam
4.3 / 5Vietnam's longest-standing large life insurer by market share
IdéalFamilies wanting a well-established life, health and retirement savings insurer
- Parent company
- Prudential plc / Prudential Corporation Asia (UK / Hong Kong)
- Vietnam entry
- 1999
- Core cover
- Life, health, retirement, investment-linked — no standalone home/property line
- Foreign-owner access
- Requires a valid visa/TRC; some investment-linked products are residents-only, so confirm eligibility before applying
- +Longest-standing large life insurer in Vietnam by market share
- +Wide agency and bancassurance distribution
- +Strong health and retirement savings range
- −No standalone home or property insurance line
- −Policy terms for non-resident foreign owners vary by product — always confirm in writing
Vietnam insurers for foreign buyers, at a glance
| Rank | Insurer | Best for | Core cover | English-language service |
|---|---|---|---|---|
| 1 | Bao Viet | Widest branch network & bundled home cover | Home, fire & allied perils, motor | Limited outside Hanoi/HCMC |
| 2 | PVI | High-value villas & large residential blocks | Property & construction, marine, energy | Limited (retail line) |
| 3 | Chubb Vietnam | High-net-worth homeowners | Homeowners, high-value property, travel | Yes — English-first |
| 4 | Liberty Insurance Vietnam | Expats wanting English-first home & health cover | Home, motor, health, travel | Yes — English-first |
| 5 | AIA Vietnam | Long-term residents' private health cover | Life, health & critical illness | Yes (agency & bancassurance) |
| 6 | Manulife Vietnam | Life cover bundled with savings plans | Life, health, investment-linked | Yes (agency & bank channels) |
| 7 | Prudential Vietnam | Vietnam's largest life & health insurer | Life, health, retirement, investment-linked | Yes (agency & bank channels) |
✓ Who this comparison suits
- ✓Foreign owners insuring a Hanoi apartment or villa against fire, flood, theft or water damage
- ✓Buy-to-let owners who need landlord/property cover while living abroad
- ✓Expats wanting private health cover to complement Vietnam's public hospital system
- ✓Off-plan buyers wanting construction or handover-period cover arranged through the developer's insurer
- ⚠Buyers looking for compulsory motor or motorbike liability insurance — that is a separate product
- ⚠Anyone assuming a bank-sold investment-linked policy is a savings product rather than insurance — always read the policy schedule
- ⚠Owners wanting a single insurer to cover both the property and a family's private health needs — most Vietnam insurers specialise in one or the other
Other insurance partners working with foreign buyers
Tenzing Pacific Services
★Courtier indépendant santé/vie/habitation et entreprises, plans expatriés, solutions patrimoniales
Hồ Chí Minh-Ville · en
Chubb Vietnam (Chubb Insurance & Chubb Life Vietnam)
★Assurance vie (Chubb Life) et non-vie (Chubb Insurance): property, casualty, marine, financial lines, énergie, cyber, environnement, accident & santé, voyage; services d'ingénierie du risque; clientèle HNW et corporate.
Ho Chi Minh City · VN, EN
Insurance in Asia
★Conseil/courtage indépendant santé et assurance personnelle expatriés depuis 1994, voyage, habitation
Hồ Chí Minh-Ville · en
Pacific Prime
★Courtier santé internationale/expatriés, comparaison de plans multi-assureurs, benefits entreprises
Hong Kong · en
Frequently asked questions
What is the best insurance company in Vietnam?
There is no single best insurer for every case. PVI and Bao Viet lead on branch coverage for home and property policies; Chubb Vietnam and Liberty Insurance Vietnam suit foreign owners wanting English-first service; and AIA, Manulife and Prudential Vietnam dominate Vietnam's expat life and health market. See our full comparison above.
Is there home insurance in Vietnam?
Yes. Home and property insurance is available from domestic insurers such as Bao Viet and PVI, and from international insurers such as Chubb Vietnam and Liberty Insurance Vietnam — see our home insurance guide for coverage types. It is not a routine purchase like in parts of Europe, so buyers usually arrange it directly after completing.
Who is the most reputable home insurance?
Reputation here tracks how long an insurer has operated locally and who stands behind it financially. Bao Viet (established 1965) and PVI are Vietnam's oldest and largest domestic insurers; Chubb Vietnam is backed by Chubb Limited, the world's largest listed property & casualty insurer — all three have decades of claims-paying history in the market.
Who is the most trustworthy home insurance company?
Trustworthiness is best judged by ownership and licensing rather than marketing. All insurers on this page are licensed to operate in Vietnam. Liberty Insurance Vietnam and Chubb Vietnam are backed by long-established global parents, which typically means clearer policy wording and international claims standards for foreign owners.
Who is the best provider for home insurance?
For property-specific cover — rather than life or health — Bao Viet, PVI, Chubb Vietnam and Liberty Insurance Vietnam are the four insurers active in Vietnam's home and villa market. AIA, Manulife and Prudential Vietnam focus on life and health, not standalone property cover. Choosing between the four usually comes down to branch coverage, sums insured, or English-language claims handling.
What are the top 5 worst homeowners insurance companies?
No independently audited ranking of ‘worst’ insurers is publicly published for Vietnam, and we do not repeat unverified claims. Before signing, check the insurer's exclusions list, sum-insured cap and claims-notification deadline in writing — these details matter more than informal rankings.
Which insurance company denies most claims?
Vietnam does not publish insurer-level claims-denial statistics, so no verified answer exists. Claims are most often reduced or refused for under-declared property value, late notification, or excluded perils such as gradual water damage — ask any insurer to explain these clauses before you buy.
Talk to our Hanoi advisory desk about insuring your property
We connect foreign owners with the insurers and brokers in our verified partner network — home, health and landlord cover included. Independent advice, no obligation, response within 24h.