Pacific Cross Vietnam
Pacific Cross Vietnam is a Ho Chi Minh City-headquartered insurance agency and Third-Party Administrator, established in 2004 as part of Pacific Cross Group (est. 1971), distributing health, travel, and group insurance to individuals, students, corporates, and partner insurers across Vietnam via a 600+ provider direct billing network and TPA services.
- Company typePrivate
- Founded2004
- HeadquartersHo Chi Minh City, Vietnam
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Pacific Cross Vietnam does
Pacific Cross Vietnam is the Vietnam operating entity of Pacific Cross Group, a privately-held insurance group established in Hong Kong in 1971 with operations in Hong Kong, the Philippines, Indonesia, Thailand, and Vietnam. Incorporated in Vietnam in 2004, Pacific Cross Vietnam functions as both an insurance agency and a Third-Party Administrator (TPA), distributing health and travel insurance products to individuals, families, students aged 6-25, and corporate groups, while also providing policy administration, claims processing, and network management services to Vietnamese insurance carriers including Cathay Life Vietnam, Hung Vuong Assurance, Bao Long, Tokio Marine, Fubon, MSIG, and HD Insurance.
The company's product portfolio centers on the Care Series (Care First, Care Cross, Care Elite, Care Student) for individual and family health, the Master Series (global coverage up to $1M USD with maternity benefits) and Foundation Series (SE Asia regional coverage up to $100K USD) for higher-end individual and expatriate buyers, and a travel insurance line (Travel Flex, Bon Voyage, Annual Travel) serving outbound travelers. Underlying technology includes a Health Insure mobile app, the eClaim digital claims platform (launched January 2026, with claims submitted in under 3 minutes and settled within 3 days), and a medical provider search directory. The core operational asset is a direct billing network of more than 600 medical providers across Vietnam and nearly 750 facilities internationally following the Bangkok Hospital and Samitivej partnerships.
Revenue derives from two streams: recurring health and travel insurance premiums collected through direct sales (website, mobile app, agent/broker portal) and channel partnerships, and TPA service fees from partner insurance carriers for administration, claims processing, and network management. The company sells through a hybrid GTM model combining direct-to-consumer digital channels, an agent and broker resource portal, and embedded distribution via partner insurers, with B2B partnerships serving as a key source of policy flow at scale.
Pacific Cross Vietnam firmographics
Firmographics- Name
- Pacific Cross Vietnam
- Legal name
- Pacific Cross Viet Nam
- Website
- https://pacificcross.com.vn
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Pacific Cross Vietnam is a Ho Chi Minh City-headquartered insurance agency and Third-Party Administrator, established in 2004 as part of Pacific Cross Group (est. 1971), distributing health, travel, and group insurance to individuals, students, corporates, and partner insurers across Vietnam via a 600+ provider direct billing network and TPA services.
- Ownership category
- akta.pro rank
Pacific Cross Vietnam industry classification
Industry- Product category
- Health Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- International/Expatriate Individual Health Insurance (FSAIAEAH)
- akta.pro secondary industry
- International / Expatriate Group Health Plans (FSAIAFAJ)
Keywords
Where Pacific Cross Vietnam is headquartered
LocationHeadquarters
- HQ city
- Ho Chi Minh City
- HQ country
- Vietnam
- HQ region
- Asia
Offices2 records
Markets served
Pacific Cross Vietnam business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Health Insurance Premiums: Pacific Cross Vietnam generates revenue primarily through health insurance premiums collected from individual and group policyholders. They offer multiple health insurance series (Care Series, Master Series, Foundation Series, HealthUP Series, Health First Series) with varying coverage levels and premium rates based on age, plan type, and benefits selected.
- Travel Insurance Premiums: Revenue from travel insurance products including Bon Voyage, Travel Flex, and Annual Travel plans. These provide coverage for emergency medical assistance, trip cancellations, lost baggage, and other travel-related risks.
- Third-Party Administration (TPA) Services: Pacific Cross Vietnam provides TPA services to Vietnamese insurance companies, helping develop, support, and administer health and travel insurance products for their clients. Since 2004, they have worked with top insurers including Cathay Life Vietnam (Life Partner) and non-life partners such as Hung Vuong Assurance, Bao Long, Tokio Marine Insurance Group, Fubon, MSIG, and HD Insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Foundation Series Inpatient - Standard Plan |
| Subscription | Annual | Foundation Series Inpatient - Executive Plan |
| Subscription | Annual | Foundation Series Inpatient - Premier Plan |
| Subscription | Annual | Master Series M1+ Plan |
| Subscription | Annual | Master Series M2 Plan |
| Subscription | Annual | Master Series M3 Plan |
| Subscription | Annual | Dental Benefits - Foundation Series |
| Subscription | Annual | Dental Benefits - Master Series |
| Subscription | Annual | Care Student - Student Health Insurance |
| Subscription | Annual | Care Series - Care First, Care Cross, Care Elite |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Pacific Cross Vietnam product offering
Product offeringCore offering
Pacific Cross Vietnam operates as an insurance agency and Third Party Administrator, distributing health insurance and travel insurance products to individuals, families, students, and corporate groups in Vietnam. It also provides policy administration, claims processing, and medical network management services to Vietnamese insurance companies as part of the Pacific Cross Group. Its offerings are supported by a domestic direct billing network of more than 600 medical providers and an international network of nearly 750 facilities, with digital claims processing via the eClaim platform.
Product overview
Pacific Cross Vietnam operates as a third-party administrator and insurance agency providing health insurance, travel insurance, and group insurance products. The product portfolio centers on the Care Series (Care Elite, Care Cross, Care First, Care Student) as the flagship health insurance offerings, complemented by Master Series for global coverage and Foundation Series for regional Southeast Asia coverage. Travel insurance products include Travel Flex, Bon Voyage, and Annual Travel. The company also provides Third Party Administration services to Vietnamese insurers and operates an eClaim digital claims platform. All health insurance plans include worldwide coverage as standard, with a direct billing network of over 600 medical providers across Vietnam and partnerships with international healthcare networks in Thailand.
Differentiator
Problem solved
Functional benefit
Brands
- Care Series: Comprehensive trio of health insurance solutions including Care First, Care Cross, and Care Elite designed for diverse health needs and financial capacities
- Care Elite
- Care Cross
- Care First
- Care Student
- Master Series
- Foundation Series
- HealthUP Series
- Health First Series
- Bon Voyage
- Travel Flex
- Annual Travel
- Group Insurance
- eClaim
Products and services
- Care Elite Premium health insurance program offering the highest level of coverage, designed for clients seeking superior health benefits and personalized lifestyle protection.
- Care Cross Health insurance program offering a balance between health benefits and financial ability, providing enhanced protection for individuals and families seeking value-oriented coverage.
- Care First Entry-level health insurance providing essential health benefits at a reasonable cost, serving as a first step toward comprehensive health protection for individuals and families.
- Care Student Health insurance designed specifically for students aged 6-25, providing affordable coverage throughout their educational journey with flexible choice of healthcare facilities from public to international hospitals.
- Master Series Health insurance plans for global medical care access with coverage from $250,000 to $1,000,000 USD, including maternity benefits, with flexible add-ons for inpatient coverage, dental, personal accident, and geographic location.
- Foundation Series Health insurance plans for Southeast Asia medical care access with coverage from $25,000 to $100,000 USD, including personal accident and preventative health benefits, with flexible outpatient benefit selection.
- HealthUP Series Health insurance product line within the Pacific Cross portfolio.
- Health First Series Health insurance product line within the Pacific Cross portfolio.
- Group Insurance Group health insurance programs designed for employers to provide health coverage for their employees, with flexible plan options and direct billing network access across Vietnam.
- Travel Flex Flexible and affordable travel insurance plan allowing customers to choose benefits and coverage levels with prices fitting their budget, adaptable based on trip duration and travel region.
- Bon Voyage Popular comprehensive travel insurance plan with no limits on travel region, packaged for travelers visiting various countries and seeking high-level total coverage.
- Annual Travel Multi-trip travel insurance covering all trips taken within one year for frequent travelers.
- Third Party Administration Services Insurance administration services offered to Vietnamese insurance companies to develop, support, and administer profitable health and travel insurance products, including policy administration, claims processing, and medical network management.
- eClaim Digital claims submission and settlement platform that enables policyholders to submit claims in under three minutes and receive settlement within three days via three steps: submit claim request, provide supporting documents, and receive settlement result.
Quantifiable outcome
- Claims processed within 3 days after documents completed via eClaim platform
- +3 more outcomes
Companies that use Pacific Cross Vietnam
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Pacific Cross Vietnam technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Pacific Cross Vietnam partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core, major and minor.
- Bangkok Hospital NetworkcorePacific Cross Vietnam entered direct billing partnership with Bangkok Hospital network across Thailand. The partnership expanded Pacific Cross's medical partner network to nearly 750 facilities domestically and internationally. Bangkok Hospital is part of Bangkok Dusit Medical Services (BDMS), operating 58+ hospitals and clinics.
- Samitivej Healthcare SystemmajorPacific Cross Vietnam partnered with Samitivej Healthcare System to provide Direct Billing services at six Samitivej hospitals in Thailand and one clinic in Myanmar. Samitivej operates under BDMS, one of Asia's largest private healthcare groups.
- Igloo VietnamcorePacific Cross Vietnam signed partnership agreement with Igloo Vietnam, a leading regional insurtech company, to develop and distribute health insurance products. Signed on November 7, 2025, in Ho Chi Minh City. Igloo operates across Singapore, Indonesia, Thailand, Philippines, Vietnam, and Malaysia with technology centers in India and China.
- Cathay Life VietnamcoreLife insurance partner since 2004. Pacific Cross provides TPA services for Cathay Life Vietnam's health insurance products.
- Hung Vuong Assurance (BHV)coreNon-life insurance partner. Approved Care Student product launch on January 1, 2026.
- Bao Long InsurancemajorNon-life insurance partner. Bao Long is the first joint-stock company operating in non-life insurance in Vietnam, established July 11, 1995.
- Tokio Marine Insurance VietnammajorFirst foreign-owned non-life insurance enterprise in Vietnam, established in 1996. Joint investment between Tokio Marine Group and Baoviet.
- Fubon Insurance VietnammajorFubon Vietnam received business license on July 1, 2008, with headquarters in Ho Chi Minh City.
- MSIG VietnammajorSubsidiary of Mitsui Sumitomo Insurance (MSI), part of MS&AD Holdings with over 100 years of insurance experience.
- HD InsurancemajorPart of Sovico Group ecosystem, established May 19, 2020, with registered capital of VND 1,800 billion. Focuses on digital insurance technology.
- UIC (United Insurance Company)minorEstablished 1997, providing comprehensive insurance solutions with high effectiveness in Vietnam's non-life insurance market.
- PTI (Post-Telecom Insurance)minorEstablished August 1, 1998, with major shareholders including VNDIRECT and DB Insurance (Korea).
- BIDV MetLifeminorJoint venture between MetLife and BIDV (Bank for Investment and Development of Vietnam), offering financial and insurance solutions through 1,000+ BIDV transaction points.
- PETROLIMEX Insurance (PJICO)minorEstablished June 15, 1995, with 7 founding shareholders among major state economic organizations.
- Techcom InsuranceminorNon-life insurance company established in 2024, part of Techcombank's financial ecosystem. Offers property, cargo, aviation, motor, fire, and health insurance products.
- DBV InsuranceminorInsurance partner listed in Pacific Cross Vietnam's partner network.
- VietinBank Insurance (VBI)minorFastest-growing non-life insurance company in Vietnam in the past 5 years. Previously a subsidiary of VietinBank (Top 3 largest banks in Vietnam).
- Tasco InsuranceminorMember of Tasco Group, a pioneer in intelligent transportation in Vietnam. Previously converted from Groupama Vietnam.
- Agribank Insurance (ABIC)minorSubsidiary with controlling shares held by Agribank. Pioneer in providing non-life insurance products serving Agriculture - Farmer - Rural areas.
Scale indicators7 records
Recent moves7 records
Expansion highlights5 records
Pacific Cross Vietnam competitors and assessment
Company assessmentDirect peers
- Bupa Global: International health insurance specialist with worldwide coverage products for individuals, families, and corporate groups, including expatriates. Directly comparable in serving the same expatriate and globally mobile customer base with similar Master Series-style comprehensive coverage.
- Allianz Care: International health insurance specialist serving expatriates globally with worldwide coverage products similar to Pacific Cross's Master Series. Directly comparable in targeting expatriate and globally mobile customers with comprehensive health plans including inpatient, outpatient, dental, and maternity.
- Cigna Global Health Benefits: Global health insurer offering international health plans to expatriates and globally mobile individuals and corporate groups. Comparable as a worldwide-coverage health insurance competitor targeting the same premium segment Pacific Cross serves in Vietnam.
- Now Health International: Hong Kong-headquartered international health insurer serving expatriates and globally mobile individuals across Asia-Pacific. Comparable product set (WorldCare, SimpleCare, Deductible plans) targeting the same premium expatriate segment as Pacific Cross's Master Series and Care Elite.
Broad incumbents
- PVI Insurance: One of Vietnam's largest non-life insurers offering health, motor, property, and corporate insurance products with strong corporate and industrial client base. Comparable as a domestic health insurance competitor with overlapping group/corporate business in Vietnam.
- Bao Viet Holdings: Vietnam's largest state-owned insurance and financial group offering life, non-life, and health insurance products with the deepest distribution network in the country. Directly comparable as a multi-line health and travel insurance provider competing for the same Vietnamese customer base, though at much greater scale and broader product scope.
- Prudential Vietnam: Major international life and health insurer operating in Vietnam with bancassurance and agency distribution. Comparable in selling health insurance products to Vietnamese consumers and corporate groups, though its core strength is life insurance rather than health-only focus.
- AIA Vietnam: Major pan-Asian life and health insurer with strong Vietnam presence offering health, life, and group employee benefits. Comparable in selling health insurance products to Vietnamese consumers and corporate groups through agency and bancassurance channels.
- Manulife Vietnam: Global insurer operating in Vietnam offering life, health, and wealth products through agency and bank distribution. Comparable in the health insurance segment and corporate group benefits space where Pacific Cross also competes.
Emerging players
- International SOS (TPA): Global medical and travel security services firm with significant TPA and assistance capabilities serving insurers and corporate clients. Comparable in providing third-party administration and medical network management services to insurance carriers, similar to Pacific Cross's TPA business line.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights7 records
Customer concentration
Pacific Cross Vietnam social profiles
Digital presencePacific Cross Vietnam financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pacific Cross Vietnam leadership team
Management profileNumber of profiles
Profiles1 record
Pacific Cross Vietnam funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pacific Cross Vietnam M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pacific Cross Vietnam
What does Pacific Cross Vietnam do?
Pacific Cross Vietnam operates as an insurance agency and Third Party Administrator, distributing health insurance and travel insurance products to individuals, families, students, and corporate groups in Vietnam. It also provides policy administration, claims processing, and medical network management services to Vietnamese insurance companies as part of the Pacific Cross Group. Its offerings are supported by a domestic direct billing network of more than 600 medical providers and an international network of nearly 750 facilities, with digital claims processing via the eClaim platform.
Is Pacific Cross Vietnam a public or private company?
Pacific Cross Vietnam is a private company. It is classified as corporate owned and is currently operating.
When was Pacific Cross Vietnam founded?
Pacific Cross Vietnam was founded in 2004. It employs 101 to 250 people.
Where is Pacific Cross Vietnam based?
Pacific Cross Vietnam is headquartered in Ho Chi Minh City, Vietnam, in the Asia region.
How does Pacific Cross Vietnam make money?
Three revenue lines are on record. Health Insurance Premiums are the primary driver. The others are travel Insurance Premiums and third-Party Administration (TPA) Services.
Who are Pacific Cross Vietnam's main competitors?
Direct peers on record are Bupa Global, Allianz Care, Cigna Global Health Benefits and Now Health International. Broad incumbents are PVI Insurance, Bao Viet Holdings, Prudential Vietnam, AIA Vietnam and Manulife Vietnam. International SOS (TPA) is listed as an emerging player.
Does Pacific Cross Vietnam have an API?
No public API is recorded for Pacific Cross Vietnam.
What industry is Pacific Cross Vietnam in?
Pacific Cross Vietnam's product category is Health Insurance. Its primary akta.pro industry code is FSAIAEAH, International/Expatriate Individual Health Insurance, with a secondary code of FSAIAFAJ, International / Expatriate Group Health Plans. Its NAICS code is 5242 and its SIC code is 6321.