Frequently asked questions

Insurnao is a licensed digital insurance agency performing brokerage services (VSIC 6622), with an AI-powered comparison platform, a member of Red Horizon Holdings. We help you compare travel and health plans from leading insurers available in Vietnam, then complete your application right on the platform. Property and vehicle insurance are coming soon.

No, we are an agent, not an insurer. Your policy is issued, underwritten, and paid by the insurer you choose. Agency services are performed by Red Horizon Holdings agents licensed by the Vietnam Ministry of Finance.

Insurers pay us a commission when you buy through Insurnao. You don't pay Insurnao any extra fee: the premium is the insurer's own tariff.

Iris is Insurnao's AI assistant. She answers from each insurer's verified documents and rules: she never invents figures, never sets a price, and never promises your application will be accepted (that's the insurer's decision). When she isn't sure, she says so. Iris is AI and can make mistakes, so check anything important against your policy wording.

Yes. Answer a few questions and get insurer quotes in minutes, no account needed to start, and no obligation to buy.

Vietnamese regulation requires prices in Vietnamese đồng. For plans the insurer prices in USD, we convert at the day's Vietcombank sell rate so you see what you'd actually pay.

A quote is calculated from the insurer's official tariff using the details you gave. The final premium is confirmed by the insurer when the policy is issued, for example if details change or underwriting is needed.

The recommendation is a starting point, not a requirement. For destinations with very high medical costs (like Singapore or Hong Kong) we recommend at least the Standard tier and explain why, but every plan stays purchasable; the decision is yours.

The two groups carry very different limits and scope: mixing them would mislead. We compare like-for-like: local plans against local plans, international against international.

Pick a plan on the comparison page → we pre-fill the insurer's ORIGINAL application form with what you provided → you complete the rest and sign (in-app e-sign or print-sign-upload) → submit. Our team reviews it before it goes to the insurer, and you track progress on your case page. During our test period, no policy is issued automatically.

The premium is paid to the insurer following the instructions on your case (usually a bank transfer); you then upload the payment proof so we can match it. Insurnao doesn't collect premiums by card on the insurer's behalf at this time.

Yes. The policyholder can be a different person (a parent buying for a child) or a company (buying for staff). Our application form captures the policyholder separately from the insured.

The medical declaration is your commitment to the insurer: omissions or errors can lead to a denied claim later. We will never advise you to hide anything, and neither will Iris. Declaring fully from the start is what protects you.

The insurer that issued your policy assesses and pays claims: Insurnao does not. We help you understand the wording and get a complete file together; submitting it, and the decision, sit between you and the insurer. See the Claims guide for details.

We collect data under Vietnam's Law on Personal Data Protection (PDPL), use it only for your quotes and applications, and never sell it. Full details are in our Terms of Service & Privacy Policy. Data contact: data@insurnao.ai.

You log in with your phone number and a one-time code (OTP), no password to remember. You can also get quotes before logging in.

The fastest way is to ask Iris on any page. Otherwise: the Support page has a form and Zalo, or email help@insurnao.ai.