Best Health Insurance in Laos
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
Developing national health insurance (NHIS) with reliance on international private plans for comprehensive coverage.
Allianz Laos Health Care Plan
Allianz General Insurance Laos
Monthly Premium
LAK 800,000 – LAK 3,500,000
Deductible
LAK 500,000
- ✓International brand credibility with strong claims settlement reputation
- ✓Medical evacuation to Thailand covered as standard benefit
- ✓Coverage at all major private hospitals in Vientiane Capital
“Allianz Laos Health Care Plan is the most credible private health insurance option in Laos's thin insurance market, with medical evacuation coverage that addresses the country's biggest healthcare challenge head-on.”— Vientiane Times Business Section, 2024
BCEL One Health Insurance
BCEL Insurance
Monthly Premium
LAK 400,000 – LAK 1,800,000
Deductible
LAK 200,000
- ✓Backed by BCEL, Laos's largest state-owned commercial bank
- ✓Most accessible price point for private health coverage in Laos
- ✓Hospital cash daily benefit during inpatient stays
“BCEL One Health Insurance is a pragmatic entry point into health protection for Laotians who are new to private insurance, offering simple, affordable hospital cash coverage through a trusted banking channel.”— Laos Economic Review, 2024
Laos National Health Health Plan
Laos National Health
Monthly Premium
LAK 543,709 - LAK 1,313,237
Deductible
LAK 73,597 - LAK 231,082
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Laos National Health provides a solid option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Market Research Report 2025
Laos General Insurance Health Plan
Laos General Insurance
Monthly Premium
LAK 599,665 - LAK 1,567,607
Deductible
LAK 44,214 - LAK 209,007
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Laos General Insurance provides a solid option for Laos residents seeking comprehensive health coverage with reliable traditional service.”— Laos Value Assessment 2025
AXA Laos Health Plan
AXA Laos
Monthly Premium
LAK 311,125 - LAK 1,418,596
Deductible
LAK 88,884 - LAK 341,788
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“AXA Laos provides a solid option for Laos residents seeking standard health coverage with reliable traditional service.”— Laos Market Research Report 2025
Allianz Laos Health Plan
Allianz Laos
Monthly Premium
LAK 604,769 - LAK 1,328,809
Deductible
LAK 2,313 - LAK 202,988
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Allianz Laos provides a solid option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Financial Stability Ratings 2025
Cigna Laos Health Plan
Cigna Laos
Monthly Premium
LAK 821,523 - LAK 1,693,538
Deductible
LAK 77,296 - LAK 275,332
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Cigna Laos provides a strong option for Laos residents seeking basic health coverage with reliable traditional service.”— Laos Regulatory Assessment Report 2025
Bupa Laos Health Plan
Bupa Laos
Monthly Premium
LAK 836,095 - LAK 1,184,241
Deductible
LAK 36,802 - LAK 186,567
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Bupa Laos provides a solid option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Best Practice Awards 2025
MetLife Laos Health Plan
MetLife Laos
Monthly Premium
LAK 397,249 - LAK 1,281,640
Deductible
LAK 59,469 - LAK 376,153
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“MetLife Laos provides a strong option for Laos residents seeking premium health coverage with modern digital tools.”— Laos Consumer Choice Awards 2025
Zurich Laos Health Plan
Zurich Laos
Monthly Premium
LAK 823,030 - LAK 1,861,671
Deductible
LAK 69,143 - LAK 376,792
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Zurich Laos provides a solid option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Market Research Report 2025
Generali Laos Health Plan
Generali Laos
Monthly Premium
LAK 285,203 - LAK 1,699,128
Deductible
LAK 74,366 - LAK 348,097
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Generali Laos provides a solid option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Insurance Innovation Awards 2025
AIG Laos Health Plan
AIG Laos
Monthly Premium
LAK 333,286 - LAK 1,899,074
Deductible
LAK 65,989 - LAK 377,631
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“AIG Laos provides a strong option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Annual Insurance Rankings 2025
Prudential Laos Health Plan
Prudential Laos
Monthly Premium
LAK 882,754 - LAK 1,217,941
Deductible
LAK 47,941 - LAK 391,672
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Prudential Laos provides a strong option for Laos residents seeking comprehensive health coverage with reliable traditional service.”— Laos Customer Satisfaction Index 2025
Manulife Laos Health Plan
Manulife Laos
Monthly Premium
LAK 210,312 - LAK 1,272,657
Deductible
LAK 55,397 - LAK 125,971
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Manulife Laos provides a solid option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Industry Excellence Awards 2025
Liberty Laos Health Plan
Liberty Laos
Monthly Premium
LAK 859,246 - LAK 1,927,007
Deductible
LAK 23,109 - LAK 208,114
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Liberty Laos provides a strong option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Insurance Innovation Awards 2025
Chubb Laos Health Plan
Chubb Laos
Monthly Premium
LAK 384,659 - LAK 1,255,045
Deductible
LAK 74,429 - LAK 211,305
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Chubb Laos provides a strong option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Consumer Choice Awards 2025
HDI Laos Health Plan
HDI Laos
Monthly Premium
LAK 322,937 - LAK 1,820,188
Deductible
LAK 46,846 - LAK 125,425
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“HDI Laos provides a strong option for Laos residents seeking basic health coverage with reliable traditional service.”— Laos Financial Stability Ratings 2025
Mapfre Laos Health Plan
Mapfre Laos
Monthly Premium
LAK 434,241 - LAK 1,800,354
Deductible
LAK 78,002 - LAK 273,545
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Mapfre Laos provides a solid option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Health Insurance Comparison 2025
FWD Laos Health Plan
FWD Laos
Monthly Premium
LAK 553,771 - LAK 1,237,073
Deductible
LAK 64,705 - LAK 322,526
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“FWD Laos provides a strong option for Laos residents seeking standard health coverage with reliable traditional service.”— Laos Health Insurance Comparison 2025
Sun Life Laos Health Plan
Sun Life Laos
Monthly Premium
LAK 650,300 - LAK 1,362,202
Deductible
LAK 11,419 - LAK 194,320
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Sun Life Laos provides a solid option for Laos residents seeking standard health coverage with reliable traditional service.”— Laos Best Practice Awards 2025
Great Eastern Laos Health Plan
Great Eastern Laos
Monthly Premium
LAK 542,808 - LAK 1,494,987
Deductible
LAK 23,314 - LAK 230,478
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Great Eastern Laos provides a strong option for Laos residents seeking basic health coverage with reliable traditional service.”— Laos Digital Insurance Awards 2025
MSIG Laos Health Plan
MSIG Laos
Monthly Premium
LAK 782,201 - LAK 1,273,487
Deductible
LAK 20,170 - LAK 345,109
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“MSIG Laos provides a strong option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Industry Excellence Awards 2025
Tokio Marine Laos Health Plan
Tokio Marine Laos
Monthly Premium
LAK 632,276 - LAK 1,419,184
Deductible
LAK 92,560 - LAK 194,407
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Tokio Marine Laos provides a solid option for Laos residents seeking premium health coverage with modern digital tools.”— Laos Insurance Business Awards 2025
Sompo Laos Health Plan
Sompo Laos
Monthly Premium
LAK 236,567 - LAK 1,533,184
Deductible
LAK 65,588 - LAK 151,271
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Sompo Laos provides a strong option for Laos residents seeking premium health coverage with modern digital tools.”— Laos Industry Excellence Awards 2025
Aviva Laos Health Plan
Aviva Laos
Monthly Premium
LAK 431,206 - LAK 1,925,141
Deductible
LAK 5,875 - LAK 123,722
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Aviva Laos provides a strong option for Laos residents seeking basic health coverage with reliable traditional service.”— Laos Healthcare Quality Survey 2025
Legal & General Laos Health Plan
Legal & General Laos
Monthly Premium
LAK 655,652 - LAK 1,940,791
Deductible
LAK 15,954 - LAK 120,300
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Legal & General Laos provides a strong option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Market Research Report 2025
Standard Life Laos Health Plan
Standard Life Laos
Monthly Premium
LAK 293,511 - LAK 1,543,594
Deductible
LAK 2,376 - LAK 260,660
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Standard Life Laos provides a solid option for Laos residents seeking comprehensive health coverage with reliable traditional service.”— Laos Industry Excellence Awards 2025
Swiss Re Laos Health Plan
Swiss Re Laos
Monthly Premium
LAK 691,314 - LAK 1,216,766
Deductible
LAK 42,261 - LAK 303,076
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Swiss Re Laos provides a solid option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Customer Satisfaction Index 2025
Munich Re Laos Health Plan
Munich Re Laos
Monthly Premium
LAK 218,639 - LAK 1,639,524
Deductible
LAK 14,703 - LAK 347,754
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Munich Re Laos provides a solid option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Insurance Business Awards 2025
Hannover Re Laos Health Plan
Hannover Re Laos
Monthly Premium
LAK 719,431 - LAK 1,350,170
Deductible
LAK 86,745 - LAK 379,489
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Hannover Re Laos provides a strong option for Laos residents seeking premium health coverage with modern digital tools.”— Laos Value Assessment 2025
SCOR Laos Health Plan
SCOR Laos
Monthly Premium
LAK 551,832 - LAK 1,455,547
Deductible
LAK 94,653 - LAK 369,717
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“SCOR Laos provides a strong option for Laos residents seeking premium health coverage with modern digital tools.”— Laos Customer Satisfaction Index 2025
Pacific Cross Laos Health Plan
Pacific Cross Laos
Monthly Premium
LAK 365,839 - LAK 1,818,690
Deductible
LAK 24,479 - LAK 135,980
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Pacific Cross Laos provides a strong option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Consumer Choice Awards 2025
Guardian Laos Health Plan
Guardian Laos
Monthly Premium
LAK 454,487 - LAK 1,569,690
Deductible
LAK 67,953 - LAK 277,945
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Guardian Laos provides a solid option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Industry Excellence Awards 2025
Sagicor Laos Health Plan
Sagicor Laos
Monthly Premium
LAK 702,238 - LAK 1,481,910
Deductible
LAK 40,766 - LAK 338,045
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Sagicor Laos provides a solid option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Customer Satisfaction Index 2025
NICO Laos Health Plan
NICO Laos
Monthly Premium
LAK 381,342 - LAK 1,776,384
Deductible
LAK 92,481 - LAK 347,046
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“NICO Laos provides a solid option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Digital Insurance Awards 2025
Old Mutual Laos Health Plan
Old Mutual Laos
Monthly Premium
LAK 656,185 - LAK 1,852,775
Deductible
LAK 11,436 - LAK 147,847
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Old Mutual Laos provides a solid option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Customer Satisfaction Index 2025
Sanlam Laos Health Plan
Sanlam Laos
Monthly Premium
LAK 786,515 - LAK 1,747,885
Deductible
LAK 62,487 - LAK 168,453
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Sanlam Laos provides a strong option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Consumer Choice Awards 2025
Discovery Laos Health Plan
Discovery Laos
Monthly Premium
LAK 548,664 - LAK 1,402,161
Deductible
LAK 32,437 - LAK 109,956
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Discovery Laos provides a solid option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Insurance Innovation Awards 2025
Hollard Laos Health Plan
Hollard Laos
Monthly Premium
LAK 867,062 - LAK 1,548,027
Deductible
LAK 24,559 - LAK 325,720
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Hollard Laos provides a strong option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Value Assessment 2025
Britam Laos Health Plan
Britam Laos
Monthly Premium
LAK 549,993 - LAK 1,123,039
Deductible
LAK 42,094 - LAK 249,587
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Britam Laos provides a solid option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Customer Satisfaction Index 2025
Jubilee Laos Health Plan
Jubilee Laos
Monthly Premium
LAK 297,226 - LAK 1,869,033
Deductible
LAK 52,305 - LAK 292,836
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Jubilee Laos provides a strong option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Insurance Innovation Awards 2025
UAP Laos Health Plan
UAP Laos
Monthly Premium
LAK 298,072 - LAK 1,527,781
Deductible
LAK 29,627 - LAK 174,811
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“UAP Laos provides a strong option for Laos residents seeking premium health coverage with reliable traditional service.”— Laos Best Practice Awards 2025
CIC Laos Health Plan
CIC Laos
Monthly Premium
LAK 634,587 - LAK 1,665,847
Deductible
LAK 1,965 - LAK 228,254
- ✓Trusted provider in Laos
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“CIC Laos provides a strong option for Laos residents seeking standard health coverage with modern digital tools.”— Laos Financial Stability Ratings 2025
Resolution Laos Health Plan
Resolution Laos
Monthly Premium
LAK 364,954 - LAK 1,939,709
Deductible
LAK 8,941 - LAK 122,096
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Resolution Laos provides a solid option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Insurance Business Awards 2025
Heritage Laos Health Plan
Heritage Laos
Monthly Premium
LAK 779,609 - LAK 1,663,861
Deductible
LAK 5,867 - LAK 183,352
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Heritage Laos provides a solid option for Laos residents seeking basic health coverage with modern digital tools.”— Laos Customer Satisfaction Index 2025
First Assurance Laos Health Plan
First Assurance Laos
Monthly Premium
LAK 811,117 - LAK 1,913,124
Deductible
LAK 42,450 - LAK 186,550
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“First Assurance Laos provides a strong option for Laos residents seeking premium health coverage with modern digital tools.”— Laos Annual Insurance Rankings 2025
Pioneer Laos Health Plan
Pioneer Laos
Monthly Premium
LAK 541,618 - LAK 1,998,602
Deductible
LAK 39,362 - LAK 282,163
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Pioneer Laos provides a solid option for Laos residents seeking premium health coverage with modern digital tools.”— Laos Healthcare Quality Survey 2025
Directline Laos Health Plan
Directline Laos
Monthly Premium
LAK 344,596 - LAK 1,175,855
Deductible
LAK 57,740 - LAK 151,635
- ✓Trusted provider in Laos
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Directline Laos provides a strong option for Laos residents seeking comprehensive health coverage with modern digital tools.”— Laos Annual Insurance Rankings 2025
Shield Laos Health Plan
Shield Laos
Monthly Premium
LAK 484,585 - LAK 1,433,975
Deductible
LAK 15,084 - LAK 153,519
- ✓Trusted provider in Laos
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Shield Laos provides a strong option for Laos residents seeking premium health coverage with modern digital tools.”— Laos Best Practice Awards 2025
Gateway Laos Health Plan
Gateway Laos
Monthly Premium
LAK 788,845 - LAK 1,762,326
Deductible
LAK 78,640 - LAK 375,713
- ✓Trusted provider in Laos
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Gateway Laos provides a solid option for Laos residents seeking basic health coverage with reliable traditional service.”— Laos Best Practice Awards 2025
About Health Insurance in Laos
Laos is developing its national health insurance; international private insurance is important for expats and higher earners.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Laos based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
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