Insurance Information
Medical Insurer Directory
A reference guide to major medical insurers operating across South East Asia, including contact details, client portals, and market-by-market presence notes.
Note: Market data is for general reference. Always verify current licensing status with the relevant regulator. Contact Vennsure for current advice.
Aetna International is the global health division of CVS Health, one of the largest US healthcare companies. Aetna offers comprehensive IPMI and group health plans for internationally mobile employees and MNCs, with a particularly strong reputation in the US-headquartered corporate sector and a well-developed direct billing network across Asia.
Contact & Links
SEA Markets (6)
Aetna International, operates offshore; Singapore serves as Asia Pacific hub
Available offshore; primarily for MNCs and US-connected employers
AIA is one of Asia's largest pan-regional life and health insurers with a fully onshore presence across most SEA markets. AIA operates licensed entities in each country and offers both individual and group health plans tailored to local regulatory requirements. AIA is generally considered a premium onshore option.
Contact & Links
SEA Markets (6)
AIA Thailand, fully licensed onshore insurer
AIA Vietnam, fully licensed onshore insurer
AIA Bhd, fully licensed; one of the largest in market
Allianz is one of the world's largest insurers and operates both onshore licensed entities and offshore IPMI products across Southeast Asia. Allianz Care is its dedicated international health arm for expat and mobile populations. Allianz has one of the widest footprints of any insurer in the region.
Contact & Links
SEA Markets (7)
Allianz Ayudhya, fully licensed onshore; Allianz Care for offshore IPMI
Allianz Vietnam, fully licensed; Allianz Care for qualifying offshore plans
Allianz Malaysia Bhd, fully licensed
April International is a French-origin specialist in international private medical insurance, serving individuals, families and corporate groups across Asia. April is known for flexible plan design, competitive pricing and a strong service infrastructure in France and Asia, with a growing direct billing network across Southeast Asia.
Contact & Links
SEA Markets (7)
Strong operational presence via Bangkok hub; primary SEA market
Freely available; no restrictions
AXA is a major global insurer with significant onshore operations in several SEA markets, often through joint ventures or local partnerships. AXA International is its IPMI arm for globally mobile populations. AXA has been divesting some Asia operations in recent years, buyers should confirm current entity status.
Contact & Links
SEA Markets (6)
AXA Thailand, formerly JV with Krungthai Bank; now Krungthai-AXA Life
AXA Vietnam, licensed onshore; products for local and FDI entities
AXA Affin Life (now Generali), note recent acquisition by Generali
Bangkok Insurance PCL (BKI) is a long-established Thai non-life insurer with a diversified portfolio spanning motor, fire, marine and group health and personal accident. BKI is regulated by the OIC and is a mainstream onshore option for Thai-registered employers seeking locally licensed group coverage.
Contact & Links
SEA Markets (1)
Fully licensed domestic Thai non-life insurer; OIC-regulated, SET-listed
Bao Long Insurance Joint Stock Corporation is a Vietnamese non-life insurer specialising in health insurance, personal accident and travel products. Bao Long is well known for its health insurance proposition for individuals and small groups and is regulated by the Ministry of Finance in Vietnam.
Contact & Links
SEA Markets (1)
Fully licensed domestic Vietnamese non-life insurer; Ministry of Finance regulated
Bao Minh Insurance Corporation (Bao Minh) is one of Vietnam's largest domestic non-life insurers, with a broad portfolio spanning group health, personal accident, motor and property insurance. Bao Minh is partly state-linked and is regulated by the Ministry of Finance in Vietnam.
Contact & Links
SEA Markets (1)
Fully licensed domestic Vietnamese non-life insurer; Ministry of Finance regulated
Bao Viet is Vietnam's largest and oldest domestic insurer, wholly state-connected and one of the most widely used group health providers for local Vietnamese companies. Bao Viet operates exclusively onshore in Vietnam and is a primary option for fully locally-owned Vietnamese entities that cannot purchase offshore.
Contact & Links
SEA Markets (1)
Fully licensed domestic insurer; state-connected
Bupa Global is a leading international health insurer with strong brand recognition among expat communities in Asia. It offers comprehensive IPMI plans with worldwide coverage and is widely used by international schools, MNCs and NGOs. Primarily operates offshore across most SEA markets.
Contact & Links
SEA Markets (6)
Direct offshore; onshore intermediaries cannot advise
Available offshore to international clients
Cigna is one of the world's largest international private medical insurance (IPMI) providers, offering individual and group health plans across Asia. Known for strong service infrastructure and a broad direct billing network, Cigna operates primarily offshore across Southeast Asia.
Contact & Links
SEA Markets (4)
Direct offshore sales
Cigna Singapore, fully licensed
Daiichi Life is one of Japan's largest life insurers, with a growing international presence across Southeast Asia. In the region, Daiichi Life has established onshore subsidiaries in Vietnam and other SEA markets, offering group life and health products particularly relevant to Japanese-invested companies.
Contact & Links
SEA Markets (3)
Dai-ichi Life Insurance Vietnam, fully licensed onshore insurer
No current licensed onshore entity; offshore plans available
No current onshore entity; offshore available for international staff
Dhipaya Insurance Public Company Limited (Dhipaya Group) is a Thai non-life insurer with a meaningful group health, personal accident and motor insurance book. Dhipaya is one of the established mid-tier onshore options for Thai-registered employers seeking locally licensed group coverage, and is regulated by the OIC.
Contact & Links
SEA Markets (1)
Fully licensed domestic Thai non-life insurer; OIC-regulated
Etiqa is a leading Malaysian insurer and takaful operator, part of the Maybank Group. It has a strong onshore presence in Malaysia and Singapore, offering group health, life and takaful products. Etiqa is a key option for Malaysian-based employers and SMEs seeking competitive group medical coverage.
Contact & Links
SEA Markets (2)
Etiqa Insurance & Takaful, fully licensed; part of Maybank Group
Etiqa Insurance Pte Ltd, fully licensed in Singapore
Expatriate Insurance Co., Ltd. is a Thai non-life insurer established specifically to serve the foreign and expatriate community resident in Thailand. It offers a focused range of group and individual health, personal accident and travel insurance products designed for the resident expat market, regulated by the OIC.
Contact & Links
SEA Markets (1)
Fully licensed domestic Thai non-life insurer; OIC-regulated
Forte Insurance is Cambodia's largest and longest-established general insurer, offering group health, personal accident and travel insurance products. Forte is the go-to onshore option for businesses operating in Cambodia, with a well-developed local claims and service network.
Contact & Links
SEA Markets (1)
Fully licensed, largest domestic insurer in Cambodia
FWD Group is a fast-growing, pan-Asian life and health insurer founded in 2013 and backed by PCGI (Pacific Century Group). FWD has built a genuine onshore presence across most major SEA markets through locally licensed entities, and offers individual and group health products with a digital-first, customer-centric positioning. FWD is a credible modern alternative to the legacy pan-Asian life insurers for onshore group medical in Thailand, Vietnam, Malaysia and Singapore.
Contact & Links
SEA Markets (7)
FWD Life Insurance and FWD Insurance (Thailand), fully licensed onshore insurers
FWD Vietnam, fully licensed onshore insurer
FWD Takaful / FWD Life Insurance (Malaysia), fully licensed; includes takaful offering
Generali is one of Italy's largest and oldest insurance groups, with a growing presence in Southeast Asia through a combination of acquisitions and organic growth. Generali has taken on several former AXA and other legacy positions in SEA markets, and offers both onshore group health and offshore IPMI through its Global Corporate & Commercial and Generali Global Health divisions.
Contact & Links
SEA Markets (6)
Generali Life Insurance Malaysia, acquired from AXA Affin Life; fully licensed
Generali Global Health available offshore; no current onshore entity
Henner is a French-origin international health insurer with a strong presence in Asia, particularly among French expat communities, NGOs and international organisations. Henner is known for excellent service levels and multi-language support, and operates primarily offshore across Southeast Asia.
Contact & Links
SEA Markets (5)
Available to qualifying FDI entities; widely used by NGOs and international schools
Available offshore; offshore intermediary required
Freely available
Hong Leong Assurance Berhad (HLA) is a major Malaysian insurer and a core entity of the Hong Leong Group Malaysia. HLA offers a broad portfolio of life and non-life products including group health and group personal accident, with a strong onshore Malaysian franchise supported by bancassurance distribution.
Contact & Links
SEA Markets (1)
Hong Leong Assurance and Hong Leong MSIG Takaful, fully licensed; part of Hong Leong Group Malaysia
IMG is a US-based international medical insurer offering a range of IPMI and travel health plans for globally mobile individuals and groups. IMG is widely used by NGOs, missionaries and internationally mobile workforces, and operates exclusively offshore across SEA markets.
Contact & Links
SEA Markets (5)
Available offshore; expat and NGO-focused plans
Freely available; widely used by NGOs
Infinity General Insurance Public Company Limited is a Thai non-life insurer focused on SME and corporate personal accident, group health and travel insurance. Infinity is particularly active in the small- to mid-segment expat and Thai employer market, and is regulated by the OIC.
Contact & Links
SEA Markets (1)
Fully licensed domestic Thai non-life insurer; OIC-regulated
Liberty Insurance is a subsidiary of Liberty Mutual, one of the world's largest insurers. It has an established onshore presence across several SEA markets and is a well-regarded provider of group medical and employee benefits. Liberty is known for competitive pricing on group health plans.
Contact & Links
SEA Markets (4)
Liberty Insurance Pte Ltd, fully licensed
Liberty Insurance Thailand, fully licensed
Liberty Insurance Vietnam, fully licensed
Lonpac Insurance Berhad is a Malaysian general insurer, the insurance arm of the Public Bank Berhad group. Lonpac offers a range of non-life products including group health and personal accident, and operates fully onshore under Bank Negara Malaysia regulation.
Contact & Links
SEA Markets (1)
Lonpac Insurance Berhad, fully licensed; part of Public Bank Berhad group
Luma Health is a specialist international medical insurer focused on Asia, offering flexible and competitive IPMI plans for individuals, families and SME groups. Luma is particularly active in Thailand, Vietnam and the broader SEA expat market, and is known for a digital-first approach and straightforward plan design.
Contact & Links
SEA Markets (4)
Primary market; strong local partnerships and direct billing network
Freely available; no restrictions
Manulife is a major Canadian-origin life and health insurer with significant onshore operations across Southeast Asia. Manulife offers group benefits, employee health plans and life products through locally licensed entities in several SEA markets, and is a strong option for MNCs and larger employers.
Contact & Links
SEA Markets (5)
Manulife Singapore, fully licensed
Manulife Vietnam, fully licensed onshore insurer
Manulife Insurance Bhd, fully licensed
Military Insurance Company (MIC) is a Vietnamese non-life insurer originally established under the Ministry of National Defence. MIC offers a range of products including group health, personal accident and property cover, with a particular client base among military-linked and state organisations, and is regulated by the Ministry of Finance in Vietnam.
Contact & Links
SEA Markets (1)
Fully licensed domestic Vietnamese non-life insurer; Ministry of Finance regulated
Morgan Price International is a UK-based specialist IPMI provider offering international health insurance plans for individuals, families and small to mid-size groups. Morgan Price is known for competitive pricing, straightforward plan design and a strong focus on the expat and globally mobile market across Asia and beyond.
Contact & Links
SEA Markets (6)
Available offshore; distributed through expat broker network
Freely available; no restrictions
MSH International is a French-origin IPMI provider and third-party administrator specialising in expatriate and international group health plans. MSH has a strong presence in Asia among NGOs, French multinationals and international organisations, and operates primarily offshore across SEA markets.
Contact & Links
SEA Markets (5)
Available to qualifying FDI entities; widely used by NGOs and French companies
Available offshore; offshore intermediary required
Freely available; no restrictions
MSIG (Mitsui Sumitomo Insurance Group) is a major Japanese general insurer with a well-established onshore presence across Southeast Asia. MSIG offers group personal accident, group health and general insurance products through locally licensed entities in multiple SEA markets, and is a mainstream choice for Japanese-invested companies in the region.
Contact & Links
SEA Markets (6)
MSIG Insurance (Singapore) Pte Ltd, fully licensed
Mitsui Sumitomo Insurance (Thailand), fully licensed
MSIG Insurance (Vietnam), fully licensed onshore
Muang Thai Insurance Public Company Limited is the non-life/general insurance arm historically associated with the Muang Thai group of companies. It offers personal accident, group health and general insurance products for Thai-registered employers, alongside the separately listed Muang Thai Life entity, and is regulated by the OIC.
Contact & Links
SEA Markets (1)
Fully licensed domestic Thai non-life insurer; OIC-regulated
Muang Thai Life is one of Thailand's leading domestic life and health insurers, offering a wide range of group medical and individual health products. It is a well-established onshore option for Thai-registered entities and is known for competitive group health pricing in the Thai market.
Contact & Links
SEA Markets (1)
Fully licensed domestic Thai life and health insurer
Now Health International is a specialist IPMI provider offering modular, transparent and competitively priced international health plans for individuals, families and corporate groups. Now Health is fully digital in its approach and has built a strong reputation in Asia for straightforward plan design, excellent digital tools and responsive claims handling.
Contact & Links
SEA Markets (7)
Available offshore; strong distribution through Thai expat broker network
Available offshore to international clients
Pacific Cross is a specialist IPMI provider with strong regional roots in Southeast Asia, making it one of the few offshore providers with genuine local knowledge and operational presence in the region. Pacific Cross is widely used by international schools, expat communities and SMEs in Thailand, Vietnam and beyond.
Contact & Links
SEA Markets (5)
Strong local operational presence; offshore plan structure
Operates via insurance agency model in Vietnam
Freely available; no restrictions
Phongsavanh Insurance Public Company (APA) is Laos's first and largest private general insurer, established by the Phongsavanh Group. APA offers a range of non-life products including group health and personal accident cover for businesses operating in Laos, and is licensed by the Lao Ministry of Finance.
Contact & Links
SEA Markets (1)
Fully licensed domestic Lao non-life insurer; Lao MoF regulated
Prudential is one of Asia's most recognised life and health insurers, with fully licensed onshore entities across all major SEA markets. Prudential offers individual and group health products through extensive agent networks and is a primary choice for onshore group medical in Thailand, Malaysia, Vietnam and beyond.
Contact & Links
SEA Markets (7)
Prudential Singapore, fully licensed
Prudential BSN Takaful / Prudential Assurance Malaysia, fully licensed
Prudential Thailand Life Assurance, fully licensed
PTI is a Vietnamese domestic insurer owned by Vietnam Post. It offers a range of non-life insurance products including group medical cover, and is commonly used by local Vietnamese organisations and SMEs. PTI operates strictly onshore and is regulated by the Ministry of Finance in Vietnam.
Contact & Links
SEA Markets (1)
Fully licensed domestic Vietnamese insurer
PVI Insurance Corporation (PVI) is one of Vietnam's largest non-life insurers, originally established by PetroVietnam and now backed by HDI Global, the German insurance arm of Talanx Group. PVI has a strong industrial and commercial book complemented by group health and personal accident products, and operates strictly onshore in Vietnam under Ministry of Finance regulation.
Contact & Links
SEA Markets (1)
Fully licensed domestic non-life insurer; HDI/Talanx strategic partner
Sompo International is the global specialty insurance and reinsurance arm of Sompo Holdings, one of Japan's largest insurance groups. Sompo has a growing presence in Southeast Asia through onshore licensed entities and is a well-regarded provider of group health, personal accident and general insurance products, particularly for Japanese-invested companies.
Contact & Links
SEA Markets (6)
Sompo Insurance Singapore Pte Ltd, fully licensed
Sompo Insurance (Thailand), fully licensed
Sompo Insurance Vietnam, fully licensed onshore
UnitedHealth Group's international health division offers group IPMI and managed care solutions for multinational employers with globally mobile workforces. UnitedHealthcare Global is primarily focused on large corporates and MNCs, with significant infrastructure in the Americas and a growing Asia Pacific presence serviced through its Singapore hub.
Contact & Links
SEA Markets (5)
Asia Pacific hub; services MNC clients across the region
Available offshore; primarily for large MNCs with US headquarters
Viriyah Insurance Public Company Limited is one of Thailand's longest-established and largest non-life insurers, with a market-leading position in personal accident and a substantial group health book. Viriyah serves a wide range of Thai-registered employers and is regulated by the OIC.
Contact & Links
SEA Markets (1)
Fully licensed domestic Thai non-life insurer; OIC-regulated
William Russell is a UK-based specialist international health insurer focused exclusively on expat and internationally mobile populations. It is well regarded for transparent plan design, strong customer service and straightforward claims. William Russell operates offshore across all SEA markets.
Contact & Links
SEA Markets (7)
Available offshore; expat-focused plan structure
Available offshore to expat clients
Need Guidance?
Not Sure Which Insurer is Right For You?
Vennsure provides independent advice, we are not tied to any insurer. We match your business to the right provider based on your market, structure and objectives.
Book a Free ConsultationOwnership & Relationships
Who Owns Whom, Insurer Relationship Matrix
A structural map of the corporate ties and operating links between international and local health insurers across South East Asia. Use it to tell apart an onshore licensed entity, an offshore IPMI product, and the parent groups that sit above both.
International expat insurer, offshore plan structure
Vietnamese non-life underwriter, onshore MoF licence
Luma's international plan is locally underwritten and fronted through Bao Long's onshore Vietnamese non-life licence, giving policyholders in-country claims handling and compliance without Luma needing its own Vietnamese insurance licence.
Offshore IPMI product, distributed regionally by Allianz
Onshore Vietnamese non-life insurer, MoF licensed; HDI/Talanx-backed
Allianz Care's offshore IPMI plan uses PVI's onshore non-life licence and hospital network to deliver in-country cashless claims handling and policyholder service in Vietnam. Insurer of record remains Allianz Care offshore; PVI acts as the in-country fronting and service partner rather than underwriting the plan.
Offshore IPMI product, Asia hub in Bangkok
Onshore Vietnamese non-life insurer, MoF licensed
April International's offshore IPMI plan is locally serviced in Vietnam via PVI, which provides onshore claims handling and the in-country cashless hospital network. The policy is underwritten offshore; PVI's role is operational fronting rather than underwriting the plan itself.
Offshore IPMI, operates in Vietnam via an insurance agency model
Vietnamese non-life insurer, owned by Vietnam Post; MoF licensed
Pacific Cross distributes its offshore plan in Vietnam through PTI's onshore licence and agency relationship, giving Vietnamese-resident policyholders in-country claims handling and cashless service through PTI's local hospital network.
French global insurer, JV partner
Vietnamese state-linked non-life insurer, JV partner
Onshore Vietnamese non-life JV, distributes travel, accident and group health
AXA and Bao Minh established Bao Minh - AXA Insurance as an onshore Vietnamese non-life joint venture distributing travel, accident and bundled health products through both parents' networks. The JV is the licensed onshore insurer; both parents contribute capital, capability and distribution.
Ultimate parent, Germany; listed on Frankfurt Stock Exchange
International specialty insurance subsidiary of Talanx
Underwriting vehicle for specialty lines
Offshore IPMI product, distributed regionally, not locally licensed in Vietnam
PVI and Expatriate Healthcare sit under the same ultimate parent, yet operate as completely separate legal entities with no shared networks, distribution, claims handling, or service relationship in Vietnam.
Onshore Vietnamese non-life insurer, MoF regulated, locally licensed
Both entities appear under the Talanx / HDI corporate umbrella for financial lineage, but they are operationally disconnected. PVI operates onshore under a Vietnamese non-life licence; Expatriate Healthcare is an offshore IPMI product underwritten through HDI Global Specialty SE. Buying one does not entitle a customer to the other's network, claims service, or hospital list.
Vietnam Bank for Industry & Trade, state-owned commercial bank
Canadian life insurer, onshore Vietnamese licence
Onshore Vietnamese life & health insurer, exclusive bancassurance through VietinBank branches
VietinBank and Manulife formed VietinBank-Manulife Life Insurance as an equity joint venture, a single jointly-owned onshore life insurer that distributes group life and health products principally through VietinBank's branch network.
This matrix is illustrative and based on publicly disclosed corporate structures. Holding percentages, JV terms and licensed entity names change frequently, always confirm current licensing status with the relevant regulator or contact Vennsure for an up-to-date view.