Your policy must specifically address Ho Chi Minh City's unique risks. Traffic accident coverage is essential—the city has high accident rates year-round, and you must ensure your policy explicitly covers motorbike incidents if you plan to ride. Disease coverage should include dengue fever, malaria, and Japanese encephalitis, all moderate risks with peak seasons from May to October. Medical evacuation coverage is critical, particularly if you're venturing to remote areas like the Mekong Delta or northern mountainous regions, where you may need transport to major cities or international evacuation to Thailand. If you're planning adventure activities, verify your policy covers remote area evacuation for trekking and specialized rescue for cave exploration. Finally, ensure adequate coverage for food and waterborne illnesses, a year-round moderate risk.