20% member discount on international health insurance
Members of the Australian Chamber of Commerce in Vietnam (AusCham) receive an exclusive 20% discount on Optimum Global's five GEMS plans, for you and your family, in Vietnam or anywhere else in the world.
Open primarily to Australians in Vietnam, and to expatriates in Vietnam and worldwide, including Australians and Vietnamese nationals living abroad. The discount applies to individuals, families, corporate groups and other organisations. Please be ready to verify your membership. Join AusCham if you are not yet a member.
Premium examples
Two typical AusCham households, priced from Optimum Global's 2026 rate sheet on 5 October 2026. Annual premiums in the currency the plan is issued in. Your own premium depends on your age, country of residence and the options you choose; the member link prices it in seconds.
Resident in Vietnam · Worldwide excluding the USA · USD · in-patient deductible USD 1,000 · 10% out-patient co-pay
| Plan | Standard premium | AusCham member |
|---|---|---|
| Emerald | USD 1,499 | |
| Sapphire | USD 2,052 | |
| Ruby | USD 2,535 | |
| Jade | USD 3,159 | |
| Diamond | USD 3,467 |
Resident in Vietnam · Worldwide excluding the USA · USD · in-patient deductible USD 1,000 · 20% out-patient co-pay
| Plan | Standard premium | AusCham member |
|---|---|---|
| Emerald | USD 3,259 | |
| Sapphire | USD 5,098 | |
| Ruby | USD 5,655 | |
| Jade | USD 7,039 | |
| Diamond | USD 7,727 |
Examples assume a new application paid annually, no optional benefits, standard BMI and no medical loadings. Premiums are indicative and subject to the insurer's underwriting; the premium shown on the member link at the time you apply is the one that counts.
Two ways to get your member quote
Compare live and apply online
Enter your details, see the five Optimum Global plans with the 20% member discount already applied, tailor the options, and apply online in one sitting.
- Member pricing on every plan, instantly
- Change area of cover, deductible and co-pay and watch the premium
- Apply online in about 15 minutes
Request a prepared comparison
Share your details once and receive a written comparison of the Optimum Global plans by e-mail, with your member discount applied and apply links that keep it.
- A PDF comparison and a covering note, usually within minutes
- Your request reaches Hans tagged as an AusCham enquiry
- No broker fees
Five plan levels
Every GEMS plan covers hospital treatment, cancer treatment and emergency evacuation in full within its annual maximum. The higher levels add out-patient care and wellness benefits. All figures below are per insured person per policy year, from the USD table of benefits.
Emerald
- Annual maximum
- USD 1,000,000
- In-patient & cancer
- In full
- Out-patient
- Up to USD 500 (family doctor & drugs)
- Evacuation
- In full
Sapphire
- Annual maximum
- USD 2,000,000
- In-patient & cancer
- In full
- Out-patient
- Not covered (no co-pay option)
- Evacuation
- In full
Ruby
- Annual maximum
- USD 3,000,000
- In-patient & cancer
- In full
- Out-patient
- Up to USD 3,500
- Evacuation
- In full
Jade
- Annual maximum
- USD 5,000,000
- In-patient & cancer
- In full
- Out-patient
- Up to USD 10,000
- Wellness & vaccinations
- USD 500 combined, after 12 months
Diamond
- Annual maximum
- USD 8,000,000
- In-patient & cancer
- In full
- Out-patient
- In full
- Wellness & vaccinations
- USD 750 combined, after 12 months
Maternity · Dental · Optical
Selected in the application. The 20% member discount applies to the medical premium including these three options. The optional Travel and Life & Critical Illness riders are priced at the insurer's standard rate.
Full wording and limits: Optimum Global table of benefits, as presented by BrokerFish (opens in a new tab).
Tailor the premium
Four choices move the premium. The member link lets you try each combination and see the discounted figure immediately. Percentages are the insurer's own rating factors against the standard (Worldwide excluding the USA, no deductible, no co-pay, paid annually).
Area of cover
| Asia (for residents of Bangladesh, Bhutan, Brunei, Cambodia, East Timor, India, Indonesia, Japan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Sri Lanka, Taiwan, Thailand, Vietnam) | −12% |
| Worldwide excluding the USA | Standard |
| Worldwide including the USA | 2.5 × standard |
| Africa, India & Pakistan (for residents of those countries) | −15% |
In-patient deductible (per policy year)
| Nil | Standard |
| USD 500 / EUR 400 / GBP 300 | −11% |
| USD 1,000 / EUR 800 / GBP 600 | −20% |
| USD 2,000 / EUR 1,600 / GBP 1,200 | −26% |
| USD 5,000 / EUR 4,000 / GBP 3,000 | −35% |
| USD 10,000 / EUR 8,000 / GBP 6,000 | −50% |
Out-patient co-pay
| Nil | Standard |
| You pay 10% of each out-patient bill | −20% |
| You pay 20% of each out-patient bill | −30% |
Payment frequency and family
| Annual | Standard |
| Semi-annual | +3% |
| Quarterly | +5% |
| Monthly | Not offered |
| Family of three or more lives | −10% |
Programme basics
- Who can join: expatriates and their dependants, anywhere in the world. New applications are accepted up to age 79; cover is renewable for life.
- Underwriting: full medical underwriting, moratorium, or continued cover from your current insurer (CPME). You choose in the application; Hans explains the difference if you are unsure.
- Renewal date: 1 October each year for the programme's policies (a few run on their own date). New joiners pay a pro-rated premium to the next renewal.
- Start of cover: once the insurer has accepted the application and the premium has been paid.
- Portability: if AusCham or your organisation ceases, you keep your policy without interruption.
Documents, applications and claims
Always use the current documents from BrokerFish. Every link opens in a new tab.
Table of benefits
Key documents
Applications
- Quote and apply online with your member discount — full medical underwriting, moratorium and switching from another insurer (CPME) are all offered in the same journey.
- Supplementary medical questionnaire — only if the insurer asks for one.
Applying through the member link is what applies the discount and tells us you are an AusCham member. Please do not use the general Optimum Global forms.
Claims and assistance
- Submit a claim online or e-mail [email protected]
- Optimum Global member helpline: +44 (0)1444 473 405
- Emergency admissions, guarantees of payment and evacuation, 24/7 (AXA assistance): +44 (0)1892 772 575
- Find a hospital or clinic in the network
Who is behind the programme
BrokerFish negotiated the AusCham terms with Optimum Global and acts as your adviser and intermediary. Optimum Global issues the policy, collects the premium and settles claims; AXA underwrites the cover and runs the 24/7 assistance.
Licensed insurance broker since the 1990s, specialised in health insurance for expatriates worldwide (Labuan Insurance Broker, licence BS200863). Independent of every insurer; no broker fees. Read our client letters and Trustpilot reviews.
Your policy is issued by Optimum Global Insurance Company Limited, regulated by the Guernsey Financial Services Commission (ref. 2267099), and distributed by Optimum Global Ltd, authorised and regulated by the UK Financial Conduct Authority (no. 453654). The health plans are underwritten and reinsured by AXA PPP healthcare Limited, part of the AXA Group, which also provides the assistance services: AXA answers the 24/7 emergency line, issues guarantees of payment to hospitals and coordinates a medical evacuation if one is needed.
Your personal contact
Hans Benn, Managing Director, BrokerFish
M.Sc. Aeronautical Engineering, CII Cert. Special Advisor to the Chairman for Healthcare, AmCham South China.
- Advice on the plan level, area of cover and options that fit you
- Explains the underwriting routes: full medical underwriting, moratorium, CPME
- Helps with guarantees of payment and claims for as long as you are insured
Prefer to talk first? Message or e-mail Hans with your ages, country and the cover you have in mind and mention AusCham. For a written comparison without the call, use the member request form.