Henner Master Care is a comprehensive international health insurance plan designed for expatriates and local residents in Vietnam and Southeast Asia. Offered in partnership with PTI, it provides extensive coverage options, including inpatient, outpatient, maternity, and dental care, with flexibility in coverage areas and deductibles.
✅ Pros
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Broad Eligibility: Available to both expatriates and local residents up to age 70.
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Flexible Coverage Areas: Choose from Southeast Asia (excluding Singapore), worldwide (excluding USA, China, Hong Kong, Brazil, and Switzerland), or worldwide (excluding USA).
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Comprehensive Benefits: Offers high annual limits for inpatient care ($500,000 to $2.5 million), outpatient services ($4,000 up to the inpatient limit), maternity ($5,000 to $8,000), and dental ($1,300 to $2,300).
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Direct Billing for Inpatient Services: Access to a vast network of hospitals and clinics with direct billing arrangements, eliminating the need for upfront payments for inpatient care.
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Group and Family Discounts: Attractive discounts for families and employer groups, with family discounts up to 15% and group discounts up to 40% for larger groups.
❌ Cons
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Upfront Premium Payment: Requires the full annual premium to be paid upfront; no installment payment options are available.
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Limited Outpatient Direct Billing: Outpatient services require payment upfront, followed by a reimbursement process.
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Customer Service Concerns: Some users have reported issues with responsiveness and delays in claim processing, leading to dissatisfaction.
💰 Pricing
Henner Master Care offers various deductible options to adjust premiums:
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$1,000 deductible: 15% discount
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$2,500 deductible: 25% discount
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$5,000 deductible: 60% discount
Premiums are on the higher end, reflecting the comprehensive coverage and benefits provided.
⭐ Overall Score: 7.8/10
Henner Master Care is a robust health insurance option for those seeking extensive coverage in Vietnam and Southeast Asia. Its strengths lie in its comprehensive benefits and flexible coverage areas. However, potential clients should consider the upfront payment requirement and be aware of reported customer service issues.
