Russian relocant denied insurance for emergency surgery in Vietnam

Insurance refused to pay for an emergency operation in Vietnam for a Russian woman relocating — her case was deemed chronic.

Consensus

A 33-year-old Russian woman named Valentina traveled to Vietnam on July 22.
She purchased local insurance from Pacific Cross in Vietnam.
She experienced severe abdominal pain and was hospitalized within an hour.
Doctors diagnosed her with a rupture of a yellow body cyst and internal bleeding.
The insurance company refused to cover the emergency surgery costing 65 million dong (~211,000 rubles).
The insurer stated the condition was related to a chronic illness, thus excluding emergency coverage.
Valentina disputes the insurer's classification, arguing that a yellow body cyst can appear spontaneously and is not necessarily chronic.
Valentina had to pay for the emergency surgery herself.