In Vietnam, our core business is as a Medical and Travel Insurance Administrator. We offer our services to Vietnamese Insurance companies in developing, supporting and administering profitable health or travel insurance products to their clients. Since 2004, we have been doing this and currently work with top Insurers in Vietnam market, both Life Partners –Cathay Life Vietnam and Non-life Partners – Hung Vuong Assurance, Bao Long, Tokio Marine Insurance Group, Fubon, HD Insurance, MSIG, BIDV MetLife, PTI, Dai-chi Life Việt Nam (2013 – 2021), AIA (2014 – 2021).
Third party administration
Our Competencies
Services
We can provide a range of services, from a Basic Claim Adjudication Service to a Full Service Package which includes product development, pricing, policy wording and schedule of benefits, to risk assessment, claim adjudication, customer service, business analytics, and a regional direct billing network.
In addition to these core services, we can arrange reinsurance. This allows the insurer to feel more comfortable with the managing of risk in the beginning. As the business develops and experience is gained, the nature and complexities of health insurance become more evident to the insurer. Eventually reinsurance arrangements can be reassessed and adjusted as needed.
Our strengths
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Diverse Regional Experience
Pacific Cross Vietnam operates in the field of insurance agency activities, providing insurance auxiliary services and supporting insurance companies and reinsurers relating to reinsurance to develop and administer health insurance and travel insurance products to people living in Vietnam. We are part of the Pacific Cross Group, established in 1971, with operations in Hong Kong, the Philippines, Indonesia, Thailand, and Vietnam. The group brings decades of experience in managing and designing health, travel, personal accident, life insurance, and administration services for both local and international clients.
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Health Insurance – a key consideration
In health insurance, profitability is more than just a number — it’s the lifeline of the business. Yet this is one of the most demanding product lines to sustain, as policyholders often make frequent claims, particularly in the early months of coverage. Without the right safeguards in place, a sudden surge in claims can quickly erode profit margins. At Pacific Cross Vietnam, we help insurers stay ahead of the curve. By combining deep industry insight, proactive risk management, and agile claims handling, we empower your business to navigate the unexpected, protect your bottom line, and seize growth opportunities where others see only challenges.
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The IT platform
The Pacific Cross Group owns Health Benefits System (HBS), proprietary software which is both exclusive and flexible. This system maintains policy records, client data, schedule(s) of benefits, and provides the reports needed to measure and manage the risks of the business and the performance of the product.