Norse Travel Insurance offers simple, stress-free protection for your trip, allowing you to travel worry-free. SIXT.VN understands the importance of having peace of mind when exploring Vietnam. That’s why we recommend considering comprehensive travel coverage to safeguard your adventure with travel protection, ensuring a secure and enjoyable experience. Discover reliable travel insurance and affordable travel insurance options.
1. How Does Norse Travel Insurance Work?
Norse Travel Insurance provides a straightforward process to protect your trip. This insurance is a safety net, ensuring you’re covered in case of unexpected events.
Here’s a breakdown:
- Choose a suitable protection: Select the travel insurance coverage that best fits your needs and the specifics of your trip.
- Add your preferred protection to your booking: Include the chosen insurance option when you book your flight or travel arrangements.
- Receive email confirmation from XCover: After adding the protection, you’ll receive an email confirmation from XCover, Norse’s partner for travel insurance. This confirmation contains all the details of your coverage.
- Travel safe and secure: With your insurance confirmed, you can travel knowing that you have financial protection against unforeseen issues.
SIXT.VN can assist you in understanding these steps and finding the best insurance options for your Vietnamese adventure.
2. What Types of Protection Does Norse Travel Insurance Offer?
Norse Travel Insurance offers two primary types of protection, each designed to cover different aspects of travel risks. The two main types are Comprehensive Travel Protection and Trip Cancellation Cover.
2.1 Comprehensive Travel Protection
This option provides extensive coverage, encompassing medical emergencies, trip disruptions, and baggage issues.
- Medical Cover and Refunds: This part of the coverage provides refunds for your flight and other prepaid trip costs if you have to cancel or cut short your trip due to injury or illness (including family members).
- Emergency Medical Costs: It covers emergency medical, hospital, and dental costs, medical repatriation, plus medical and travel-related accommodation expenses.
- Baggage and Flight Delays: It provides coverage for delayed, lost, or stolen baggage and flight delays.
2.2 Trip Cancellation Cover
This option focuses specifically on reimbursing costs if you need to cancel your trip.
- Refunds for Prepaid Costs: This cover refunds your flight and other prepaid trip costs if you have to cancel or cut short your trip due to injury or illness (including to family members).
Choosing between these options depends on your specific concerns and travel plans. According to a study by the U.S. Travel Insurance Association (USTIA) in 2023, comprehensive travel insurance is increasingly popular, with a 25% rise in policies purchased compared to pre-pandemic levels, indicating travelers’ growing concern for comprehensive protection.
3. What Should You Know Before Purchasing Norse Travel Insurance?
Before purchasing Norse Travel Insurance, there are several key considerations to keep in mind to ensure you are adequately covered and understand the terms of your policy.
- Coverage for Others: When you make a booking that includes other people, they will also be covered by your XCover protection.
- One-Way Ticket Coverage: If you purchase a one-way ticket, your protection will cover you for 7 days.
- Age Restrictions: If you are under 18 years old and travelling without an adult, you are not permitted to purchase protection.
This information is crucial for making an informed decision about your travel insurance needs.
4. How Do You Activate Your XCover Account?
Activating your XCover account is a necessary step to access your policy details and manage your travel insurance.
- Find the Activation Link: Your activation link can be found in the XCover confirmation SMS or email. Make sure you check your spam folder if you can’t find your confirmation email.
- Privacy Protection: To protect your privacy, your XCover documents are not sent via mail. To view your documents, wording and invoice, you first need to log in to your XCover Account.
- Accessing Policy Details: From your XCover Account, you can make a claim, or view your policy wording.
The XCover confirmation email and SMS provides access to your account.
5. How Can You Change, Cancel, or Get a Refund for Your XCover Protection?
Norse Travel Insurance, facilitated through XCover, offers flexibility in managing your policy.
- 14-Day Window: You have a 14-day window to cancel and request a refund after purchasing protection.
- Rescheduling Your Trip: If you decide to reschedule your trip to the same destination with the same duration, your protection will remain valid. However, if you change your travel itinerary and extend your trip duration, you need to contact Norse Customer Care to update your policy to ensure coverage for the extended days.
- Coverage for Delays: If there are any delays or irregularities you’re always covered for an additional 24 hours.
- Upgrades: If you upgrade your cabin class or make changes to your booking that result in an upgrade your protection will only cover the cost of the original ticket type.
These options provide travelers with the ability to adjust their coverage as needed.
6. What Is the Process for Making a Claim with Norse Travel Insurance?
The XCover claims process is designed to be simple. Remember to activate your XCover Account before making a claim.
- Visit the Claims Page: Visit xcover.com/claim to get started.
- Prepare Documents: Prepare all documents and a brief description of what happened ready to go.
- Submit Your Claim: Simply log in, answer questions about your claim, and submit your documents.
- Payment or Response: If you are entitled to a payment, it is made instantly, if the claim doesn’t require payment, expect a fast response.
According to Cover Genius, the parent company of XCover, their dedicated team aims to complete 95% of claims within 3 days of claim filing.
7. What Emergency Assistance Is Available with Norse Travel Insurance?
If your coverage includes emergency assistance or other medical cover, you can contact your dedicated 24/7 medical assistance service, XCover Assist, which is available in multiple languages. You can find the emergency phone number within the policy wording in your XCover Account.
This service ensures that you have access to immediate help and support, no matter where you are or what time it is.
8. Who Is XCover, the Partner Behind Norse Travel Insurance?
XCover is owned by Cover Genius, a leading insurance firm that was recently ranked #1 in the Financial Times list of fastest-growing companies. XCover’s policies are backed by some of the world’s largest insurance companies including Lloyd’s, Swiss Re and Munich Re.
This partnership ensures that Norse Travel Insurance is reliable and financially stable, providing peace of mind to travelers.
9. Why Should Travelers to Hanoi Consider Norse Travel Insurance?
When planning a trip to Hanoi, Vietnam, Norse Travel Insurance can be an invaluable asset. Hanoi, with its rich history and bustling streets, offers a unique travel experience, but it also presents potential challenges that travel insurance can mitigate.
- Medical Emergencies: Medical facilities in Hanoi may differ from those in your home country. Travel insurance can cover the costs of unexpected illnesses or injuries, including hospitalization, medication, and medical evacuation if necessary.
- Trip Interruption: Unforeseen events such as flight delays, cancellations, or family emergencies can disrupt your travel plans. Travel insurance can reimburse you for non-refundable expenses and help you make alternative arrangements.
- Lost or Stolen Belongings: Hanoi’s crowded markets and tourist spots can be hotspots for theft. Travel insurance can compensate you for the loss or theft of your belongings, including luggage, electronics, and personal items.
- Cultural and Language Barriers: Navigating a new culture and language can be challenging. Travel insurance can provide assistance with translation services and help you communicate with local authorities and medical professionals.
According to the General Statistics Office of Vietnam, the number of international visitors to Hanoi has been increasing annually, with a significant portion coming from the USA, Europe, Australia, and Canada. This influx of tourists highlights the importance of having travel insurance to address the unique challenges that come with exploring a foreign city.
By considering Norse Travel Insurance, travelers to Hanoi can enjoy their trip with greater peace of mind, knowing they are protected against unexpected events.
10. How Can SIXT.VN Enhance Your Trip to Hanoi?
SIXT.VN offers a range of services designed to make your trip to Hanoi seamless and enjoyable. From airport transfers to hotel bookings and guided tours, SIXT.VN is your go-to partner for exploring the city.
- Airport Transfers: Start your trip stress-free with reliable and comfortable airport transfer services. SIXT.VN ensures you reach your hotel quickly and safely, avoiding the hassles of public transportation or taxi queues.
- Hotel Bookings: Choose from a wide selection of hotels that suit your budget and preferences. SIXT.VN offers competitive rates and convenient booking options, ensuring a comfortable stay in Hanoi.
- Guided Tours: Discover Hanoi’s hidden gems and iconic landmarks with expertly guided tours. Whether you’re interested in history, culture, or cuisine, SIXT.VN can tailor a tour to your interests.
- Travel Consultation: Navigating a new city can be daunting, but SIXT.VN provides personalized travel consultation services to help you plan your itinerary and make the most of your time in Hanoi.
By combining the security of Norse Travel Insurance with the convenience of SIXT.VN’s services, you can create a memorable and worry-free travel experience in Hanoi. Visit SIXT.VN to explore our comprehensive travel packages and start planning your adventure today.
11. What Are the Benefits of Booking Services with SIXT.VN for Your Hanoi Trip?
Booking services with SIXT.VN for your Hanoi trip offers numerous advantages, ensuring a smooth, enjoyable, and hassle-free travel experience. SIXT.VN specializes in providing comprehensive travel solutions tailored to meet the diverse needs of international visitors.
- Convenience: SIXT.VN offers a one-stop platform for all your travel needs in Hanoi. From arranging airport transfers to booking accommodations and organizing tours, you can manage all aspects of your trip in one place.
- Reliability: SIXT.VN partners with reputable local service providers to ensure the highest standards of reliability and quality. You can trust that your bookings will be honored and your services will be delivered as promised.
- Personalized Service: SIXT.VN provides personalized customer support to assist you with any questions or concerns you may have before, during, or after your trip. Our experienced travel consultants are available to offer tailored recommendations and address your specific needs.
- Competitive Pricing: SIXT.VN offers competitive pricing on all services, ensuring you get the best value for your money. We negotiate favorable rates with our partners and pass the savings on to you.
- Local Expertise: SIXT.VN leverages its extensive local knowledge to provide insider tips and recommendations, helping you discover the best of Hanoi. Whether you’re looking for hidden gems or popular attractions, we can guide you every step of the way.
By choosing SIXT.VN for your Hanoi travel needs, you can enjoy a stress-free and unforgettable trip, knowing that all the details are taken care of.
12. How Can Norse Travel Insurance Protect You from Unforeseen Events in Hanoi?
Traveling to a new city like Hanoi can be exciting, but it also comes with potential risks. Norse Travel Insurance offers a safety net that protects you from unforeseen events that could disrupt your trip.
- Medical Emergencies: Unexpected illnesses or injuries can occur at any time. Norse Travel Insurance covers the costs of medical treatment, hospitalization, and emergency medical evacuation if needed, ensuring you receive prompt and appropriate care.
- Trip Cancellations or Interruptions: Flight delays, family emergencies, or other unforeseen events can force you to cancel or cut short your trip. Norse Travel Insurance reimburses you for non-refundable expenses, such as pre-paid tours and accommodations, minimizing your financial losses.
- Lost or Stolen Belongings: Theft and loss of personal belongings are common concerns in crowded tourist areas. Norse Travel Insurance provides coverage for lost or stolen luggage, electronics, and other valuable items, helping you replace essential items and continue your trip.
- Travel Delays: Unexpected delays can disrupt your travel plans and cause you to miss important connections or reservations. Norse Travel Insurance provides compensation for additional expenses incurred due to travel delays, such as meals and accommodations.
- Personal Liability: In the event that you accidentally cause injury or damage to another person or their property, Norse Travel Insurance provides liability coverage, protecting you from potential legal and financial repercussions.
By investing in Norse Travel Insurance, you can travel to Hanoi with confidence, knowing that you are protected from a wide range of unexpected events that could otherwise derail your trip.
13. What Are Some Common Travel Scams in Hanoi and How Can Travel Insurance Help?
Like any popular tourist destination, Hanoi has its share of scams that target unsuspecting travelers. Being aware of these scams and knowing how travel insurance can help is essential for a safe and enjoyable trip.
- Overcharging by Taxi Drivers: Some taxi drivers may try to overcharge tourists by taking longer routes or tampering with the meter. Always use reputable taxi services or ride-hailing apps, and ensure the meter is running. If you are significantly overcharged, travel insurance may provide coverage for financial losses.
- Fake Tour Operators: Unlicensed tour operators may offer discounted tours but provide substandard services or even disappear with your money. Book tours through reputable agencies like SIXT.VN, which partners with trusted local operators. If you fall victim to a fake tour operator, travel insurance may reimburse you for the lost funds.
- Shoe Shining Scam: Someone may offer to clean your shoes and then demand an exorbitant fee. Politely decline unsolicited services and be cautious of overly friendly strangers. If you are pressured into paying an unreasonable amount, travel insurance may provide coverage for the financial loss.
- Motorbike Theft: Motorbike theft is a common problem in Hanoi. Always park your motorbike in secure, well-lit areas, and use a reliable lock. If your motorbike is stolen, travel insurance may cover the cost of replacement or repair, depending on the policy terms.
- Pickpocketing: Pickpockets often target tourists in crowded areas such as markets and tourist attractions. Keep your valuables secure and be aware of your surroundings. If you are pickpocketed, travel insurance can provide coverage for the loss of cash, credit cards, and other personal items.
By being vigilant and purchasing comprehensive travel insurance, you can minimize the impact of potential scams and enjoy a safer, more secure trip to Hanoi.
14. What are the Key Features to Look For in a Norse Travel Insurance Policy for a Trip to Vietnam?
When planning a trip to Vietnam, selecting the right travel insurance policy is crucial. Here are the key features to look for in a Norse Travel Insurance policy to ensure comprehensive coverage and peace of mind:
- Medical Coverage:
- Emergency Medical Expenses: Ensure the policy covers medical expenses for illnesses and injuries, including hospitalization, surgery, and doctor visits.
- Medical Evacuation: Verify that the policy includes coverage for emergency medical evacuation to a suitable medical facility, which may be necessary in remote areas of Vietnam.
- Repatriation of Remains: Check if the policy covers the cost of repatriation of remains in the event of death.
- Trip Interruption and Cancellation:
- Trip Cancellation: Confirm that the policy covers trip cancellation due to unforeseen events such as illness, injury, or family emergencies.
- Trip Interruption: Ensure the policy covers trip interruption due to events that may cause you to cut your trip short, such as natural disasters or political unrest.
- Baggage and Personal Belongings:
- Lost or Stolen Baggage: Verify that the policy covers the loss or theft of baggage and personal belongings, including electronics, clothing, and travel documents.
- Baggage Delay: Check if the policy provides compensation for essential items if your baggage is delayed.
- Personal Liability:
- Liability Coverage: Confirm that the policy includes personal liability coverage, which protects you if you are responsible for causing injury or damage to another person or their property.
- 24/7 Assistance:
- Emergency Assistance: Ensure the policy provides 24/7 emergency assistance services, including a helpline for medical and travel-related issues.
- Coverage for Pre-existing Conditions:
- Pre-existing Conditions: Check if the policy covers pre-existing medical conditions and what limitations may apply.
- Adventure Activities:
- Adventure Activities: Verify that the policy covers any adventure activities you plan to participate in, such as trekking, scuba diving, or motorbiking.
- Policy Exclusions:
- Read Exclusions: Carefully review the policy exclusions to understand what events or activities are not covered.
By carefully considering these key features when selecting a Norse Travel Insurance policy, you can ensure that you are adequately protected during your trip to Vietnam and can travel with confidence.
15. What Travel Tips Can Ensure a Safe Trip to Hanoi?
Ensuring a safe and enjoyable trip to Hanoi involves a combination of preparation, awareness, and caution. Here are essential travel tips to help you stay safe and secure during your visit:
- Stay Aware of Your Surroundings:
- Be Vigilant: Pay attention to your surroundings, especially in crowded areas like markets, tourist attractions, and public transportation.
- Avoid Distractions: Minimize distractions such as using your phone while walking, as this can make you an easier target for thieves.
- Secure Your Valuables:
- Use a Money Belt: Keep cash, credit cards, and important documents in a hidden money belt or pouch.
- Secure Bags: Use bags with zippers or closures and keep them close to your body. Avoid carrying valuables in easily accessible pockets.
- Use Reputable Transportation:
- Official Taxis: Use official taxi services or ride-hailing apps like Grab. Ensure the meter is running or agree on a fare before starting your journey.
- Avoid Unlicensed Operators: Be wary of unlicensed taxi drivers or motorbike taxis offering rides, as they may overcharge or engage in scams.
- Stay Informed About Scams:
- Be Aware of Common Scams: Research common travel scams in Hanoi, such as shoe shining scams, cyclo scams, and fake tour operators.
- Politely Decline Unsolicited Services: Be cautious of overly friendly strangers offering unsolicited services or assistance.
- Protect Your Health:
- Drink Bottled Water: Drink bottled water and avoid tap water to prevent waterborne illnesses.
- Eat at Reputable Establishments: Choose restaurants and street food vendors with clean and hygienic practices.
- Get Necessary Vaccinations: Consult your doctor about recommended vaccinations and health precautions for traveling to Vietnam.
- Be Respectful of Local Customs:
- Dress Appropriately: Dress modestly when visiting temples and religious sites.
- Ask Permission Before Taking Photos: Ask for permission before taking photos of people, especially in rural areas.
- Learn Basic Vietnamese Phrases: Learning a few basic Vietnamese phrases can help you communicate with locals and show respect for their culture.
- Stay Connected:
- Get a Local SIM Card: Purchase a local SIM card with data to stay connected and access maps, translation apps, and emergency services.
- Share Your Itinerary: Share your travel itinerary with family or friends and check in regularly.
- Emergency Contacts:
- Keep Emergency Contacts Handy: Save important emergency contact numbers, such as the local police, embassy, and your travel insurance provider.
By following these travel tips, you can enhance your safety and security while exploring the vibrant city of Hanoi.
16. How Can SIXT.VN Assist with Local Transportation and Tours in Hanoi?
SIXT.VN offers comprehensive assistance with local transportation and tours in Hanoi, ensuring a seamless and enriching travel experience. Our services are designed to cater to the diverse needs of international visitors, providing convenience, reliability, and local expertise.
- Airport Transfers:
- Private Airport Transfers: Arrange private airport transfers with SIXT.VN for a comfortable and hassle-free arrival and departure. Our professional drivers will meet you at the airport and transport you directly to your hotel or other destination.
- Meet and Greet Service: Opt for our meet and greet service, where a representative will assist you with your luggage and guide you to your transportation.
- Local Transportation:
- Car Rental: Rent a car with SIXT.VN to explore Hanoi and its surrounding areas at your own pace. Choose from a wide selection of vehicles to suit your needs and budget.
- Private Car with Driver: Hire a private car with a driver for convenient and flexible transportation within Hanoi. Our experienced drivers know the city well and can take you to your desired destinations efficiently.
- Guided Tours:
- City Tours: Join our guided city tours to discover Hanoi’s iconic landmarks, historical sites, and cultural attractions. Our knowledgeable guides will provide insights into the city’s rich history and traditions.
- Cultural Tours: Immerse yourself in Vietnamese culture with our cultural tours, which include visits to temples, museums, and traditional craft villages.
- Food Tours: Experience Hanoi’s vibrant culinary scene with our food tours, where you can sample delicious local dishes and learn about Vietnamese cuisine.
- Custom Tours: Customize your own tour with SIXT.VN to explore specific attractions or activities that interest you. Our travel consultants can help you design a personalized itinerary.
- Day Trips:
- Halong Bay: Take a day trip to Halong Bay, a UNESCO World Heritage Site, and cruise among the stunning limestone karsts and emerald waters.
- Sapa: Explore the mountainous region of Sapa, known for its breathtaking landscapes, rice terraces, and ethnic minority villages.
- Ninh Binh: Visit Ninh Binh, often referred to as “Halong Bay on Land,” and explore its picturesque landscapes, ancient temples, and historical sites.
By utilizing SIXT.VN for your local transportation and tour needs, you can ensure a smooth, convenient, and memorable travel experience in Hanoi. Contact us today to plan your perfect itinerary.
17. What Are the Latest Travel Advisories for Vietnam That Travelers Should Be Aware Of?
Staying informed about the latest travel advisories is essential for ensuring a safe and trouble-free trip to Vietnam. Travel advisories provide valuable information about potential risks and safety concerns in specific destinations, allowing you to make informed decisions and take necessary precautions.
- Government Travel Websites:
- U.S. Department of State: Check the U.S. Department of State’s website for travel advisories and safety information for Vietnam.
- UK Foreign, Commonwealth & Development Office: Consult the UK Foreign, Commonwealth & Development Office for travel advice and alerts.
- Australian Department of Foreign Affairs and Trade: Visit the Australian Department of Foreign Affairs and Trade for travel advisories and Smartraveller information.
- Canadian Government Travel Advice: Check the Canadian Government Travel Advice website for travel information and safety tips.
- Health Advisories:
- World Health Organization (WHO): Consult the World Health Organization for health-related travel advice, including information on vaccinations, disease outbreaks, and health precautions.
- Centers for Disease Control and Prevention (CDC): Visit the Centers for Disease Control and Prevention for health information and recommendations for travelers to Vietnam.
- Local News and Media:
- Stay Updated: Stay informed about local news and media reports for any potential safety concerns, such as protests, demonstrations, or natural disasters.
- COVID-19 Information:
- Entry Requirements: Check the latest entry requirements and travel restrictions related to COVID-19, including vaccination requirements, testing protocols, and quarantine measures.
- Health Protocols: Be aware of local health protocols and guidelines, such as mask-wearing requirements and social distancing measures.
- Safety and Security:
- Petty Crime: Be aware of the risk of petty crime, such as pickpocketing and theft, especially in crowded tourist areas.
- Road Safety: Exercise caution when traveling on Vietnamese roads, as traffic accidents are common.
- Political Stability: Stay informed about any potential political unrest or demonstrations and avoid areas where protests are taking place.
- Natural Disasters:
- Typhoon Season: Be aware of the risk of typhoons and flooding during the rainy season (May to October).
- Earthquakes: Vietnam is located in an earthquake-prone region, so be prepared for potential seismic activity.
By staying informed about the latest travel advisories and taking necessary precautions, you can minimize risks and enjoy a safe and memorable trip to Vietnam.
18. Frequently Asked Questions (FAQs) About Norse Travel Insurance
- What does Norse Travel Insurance cover?
Norse Travel Insurance, facilitated through XCover, offers comprehensive and trip cancellation coverage. Comprehensive covers medical emergencies, trip disruptions, and lost luggage. Trip cancellation covers reimbursement for prepaid costs if you cancel due to illness or injury. - How do I activate my XCover account?
Find the activation link in the XCover confirmation email or SMS. Click the link and follow the instructions to log in and access your policy details. - Can I cancel or change my XCover protection?
You have a 14-day window to cancel and request a refund. If rescheduling your trip, contact Norse Customer Care to update your policy for extended coverage. - How do I make a claim with Norse Travel Insurance?
Visit xcover.com/claim, log in to your account, answer the questions and submit your documents. - What if I need emergency assistance while traveling?
If your coverage includes emergency assistance, contact XCover Assist, available 24/7 in multiple languages. Find the emergency phone number in your policy wording. - Who is XCover?
XCover is owned by Cover Genius, a leading insurance firm, and backed by major insurance companies like Lloyd’s, Swiss Re, and Munich Re. - Are there age restrictions for purchasing Norse Travel Insurance?
Yes, if you are under 18 and traveling without an adult, you cannot purchase protection. - Does Norse Travel Insurance cover pre-existing medical conditions?
Coverage for pre-existing conditions varies, so review the policy details or contact XCover for clarification. - What should I do if my flight is delayed or canceled?
Norse Travel Insurance covers delays and irregularities for an additional 24 hours. If your trip is affected, contact XCover to understand your compensation options. - Can I extend my coverage if I extend my trip?
Yes, contact Norse Customer Care to update your policy if you extend your trip duration to ensure continued coverage.
With these FAQs, you’re well-prepared to make an informed decision about Norse Travel Insurance.
19. How Can You Contact SIXT.VN for More Information and Travel Assistance?
SIXT.VN is dedicated to providing exceptional customer service and comprehensive travel assistance to ensure your trip to Hanoi is seamless and unforgettable. We offer multiple channels for you to reach out to us and receive the support you need.
- Address: 260 Cau Giay, Hanoi, Vietnam
- Hotline/WhatsApp: +84 986 244 358
- Website: SIXT.VN
Whether you have questions about our services, need assistance with booking arrangements, or require support during your trip, our friendly and knowledgeable team is here to help.
20. Conclusion: Embrace Peace of Mind with Norse Travel Insurance and SIXT.VN
Planning a trip to Hanoi, Vietnam, involves numerous details, but ensuring your peace of mind is paramount. Norse Travel Insurance, in partnership with XCover, provides simple, stress-free protection, safeguarding you from unforeseen events. Coupled with the comprehensive services offered by SIXT.VN, your journey is set to be both secure and seamless.
From airport transfers and hotel bookings to guided tours and personalized travel consultation, SIXT.VN is your reliable partner in Hanoi. By combining the security of Norse Travel Insurance with the convenience and expertise of SIXT.VN, you can embark on your Vietnamese adventure with confidence, knowing that every detail is taken care of.
Don’t leave your travel experience to chance. Secure your peace of mind with Norse Travel Insurance and let SIXT.VN handle the rest. Visit SIXT.VN today to explore our comprehensive travel packages and start planning your unforgettable Hanoi adventure. Protect your travels with reliable travel protection and travel insurance Vietnam.
