Prudential launches flexible health insurance product

Prudential Vietnam has launched a supplementary health insurance product that allows customers to tailor coverage limits, geographical coverage and optional benefits to their healthcare needs and financial circumstances.

 

PRUKhỏe Linh Hoạt allows customers to tailor health insurance coverage to their individual needs. — Photo courtesy of the company

HCM CITY — Prudential Vietnam has launched a supplementary health insurance product that allows customers to tailor coverage limits, geographical coverage, and optional benefits to their healthcare needs and financial circumstances.

PRUKhỏe Linh Hoạt comes as life expectancy in Việt Nam rises and healthcare costs continue to increase.

According to official figures, average life expectancy was 74.7 years in 2025.

Meanwhile, Aon's Global Medical Trend Rates 2026 report forecasts a 12.2 per cent increase in medical treatment costs in Việt Nam this year.

Healthcare needs also vary by age, lifestyle, financial circumstances and stage of life. Families with young children, for example, may have different priorities from working-age adults or older customers.

With PRUKhỏe Linh Hoạt, customers can design their own health insurance plans instead of having to choose from a standard package.

They can select annual coverage limits ranging from VNĐ100 million to VNĐ5 billion and combine inpatient coverage, which is the basic benefit, with optional outpatient, dental and maternity benefits based on their individual needs.

The product covers children from 30 days old without requiring a parent to purchase the product alongside them. Coverage can continue until the insured reaches 100 years of age.

Geographical coverage spans from Việt Nam to worldwide, including the US, depending on the selected annual coverage limit. The product also allows customers to increase their coverage by up to 100 per cent of the annual limit.

Phùng Bá Khang, chief customer, marketing & product officer at Prudential Vietnam, said healthcare needs differ from person to person and change over time.

“With PRUKhỏe Linh Hoạt, we aim to give customers greater autonomy in building a health protection plan that fits their needs and budget. A good plan is not necessarily one with the most benefits, but one that is best suited to customers and their loved ones.”

The product is offered together with Prudential's main insurance products currently available in Việt Nam. — BIZHUB

 

 

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