Your policy for Hanoi needs to address the city's specific risks. Traffic accidents are a high risk year-round, so ensure your coverage explicitly includes motorbike incidents if you plan to ride—accident rates are notably high. Disease coverage is important, as you face moderate risk of dengue fever, malaria, and Japanese encephalitis, particularly from May to October. Food and waterborne illnesses are also a year-round moderate risk. If you're planning adventure activities, prioritize evacuation coverage for remote areas, especially for trekking in northern mountainous regions. Cave exploration requires specialized rescue coverage. Most critically, your policy must include medical evacuation coverage, as you may need transport to major Vietnamese cities or international evacuation to Bangkok or Singapore for serious conditions.