I've tracked my health insurance claims in Ho Chi Minh City for three years, and preventive checkups like blood tests and dental cleanings are always excluded unless I push hard. So I end up paying out of pocket for screenings that could catch problems early, which feels backwards—shouldn't insurers want to avoid expensive treatments later? Some private clinics now bundle annual health checks for 3-5 million VND, but that's still a luxury for many. Is it time Vietnam mandates coverage for preventive care, or would that just raise premiums for everyone?