How is the best auto insurance?

When buying best auto insurance, essentially you are buying a paper plate guarantee payment of those unwanted risks that may occur in the future.

When buying insurance, essentially you are buying a paper plate guarantee payment of those unwanted risks that may occur in the future.



Auto insurance compensation for financial damage arising from an accident involving a car. It is a trading link between you and the insurance company, whereby when you premiums (insurance) and insurance companies committed to compensation for the damage under the provisions of the best auto insurance contract.

When buying insurance, customers would also like to when the problem will be quick and fair compensation, was replaced in the car or garage and genuine spare parts. However, to get those things, understanding as well as to consider thoroughly before putting pen to sign buy this type of insurance is extremely necessary. In the framework of this article, Autocar Vietnam will help readers better understand auto insurance issues as well as the experience for this issue.

On the auto insurance market currently has four common insurance forms include: compulsory insurance of civil liability of owners of motor vehicles, insurance of civil liability of owners of vehicles for goods transport on car insurance, physical damage of motor vehicle insurance, who sits on the car and driver accident car accessories. In it, insurance of civil liability of owners of motor vehicles is the type that all individuals or organisation owns a car must buy according to the law of Vietnam.

3 types of insurance remains entirely voluntarily by agreement with the auto insurance company. Especially in that, with physical types of insurance, the auto insurance company will indemnify the damage to the car caused the accident, outside the control of the owner of the car, drive the car in the case of collision,

Commercial auto insurance and its effects

Insurance agents are always trying to serve customers fast, convenient, save costs as well as provide customers with perfect service.




The necessity and effect of commercial auto insurance

Cars are increasingly being used on the roads in Vietnam. Meanwhile, Vietnam's traffic has not yet fully meet the insurance requirements of serving the best, often have the status of rules of the road caused the scratch, traffic conditions, high quality car occur along high yet fuel caused the unfortunate case. ... One of the French border lays the best risk mitigation is to buy car.

Auto insurance claim for your financial losses arising from accidents involving your car. That's a trading link between you and the insurance company, whereby when you premiums (insurance) and insurance companies committed to compensation for the damage under the provisions of the insurance contract.

Automobile insurance has the following insurance types:
-Civil liability insurance to third parties (compulsory INSURANCE).
-Insurance of the driver and the person sitting on the car.
-Material insurance of car (bodyshell, centreline, machinery).
-Insurance for stolen parts.

Commercial auto insurance help you peace of mind when driving on the road, preventing the risks that can occur when you join traffic, ensure quick resolution for the dispute if any accidents happen. ...

How to choose a good auto insurance company?

When choosing to purchase insurance, many buyers often choose the auto insurance company have relatives or acquaintances is working, just to get peace of mind just can help relatives get more sales from the sale of insurance.



However, this often does not bring more effective when the incidents happened especially when a loved one has. So you need to remember that the purchase of auto insurance is signed with the company and the selling price of car insurance is also given by the company rather than from individuals. Thus, to select the appropriate auto insurance, consumers should note a few points:

-The financial capacity of insurers. The auto insurance company has strong financial capability will ensure for you about affordability when the incident occurred.

-24-hour hotline (be careful if there is a cell phone number because the situation then also at need to sleep).

-Repair garage network (vehicle insurance Price you pay is high then there is no reason you can't be repaired in the garage genuine)

-Reviews of the driver and other vehicle owners about the time and procedure for indemnification of insurance companies (the compensation slow 1-2 days will cause consumers to lose more money than the amount the buyer can save from the premium).

To get the best selection, please refer to the rates from at least three reputable insurance company to get the overview and comprehensive comparison.

Auto insurance company and its responsibilities

Should choose the auto insurance company has relationships with prestigious and convenient garage for repair. It is to find out the level of cooperation with the insurance company's garage to avoid having to go back several times because of cumbersome procedures.

Many auto insurance companies have a "backyard" is the car repair shop and can they publicly speak out, may also not public that only "disambiguation". So, it is best to choose a reputable repair company to take on the terms of the contract.



Where repair is a significant problem should make sure people buying insurance that must be the right to choose the place of repair when signing the contract, avoid being exchanged or poor quality furniture.

If buying household insurance, health care insurance and car insurance at the same prestigious insurance company, customers will likely receive a certain discount rate. If there are conditions, should buy insurance more than a year.

Don't just listen to what people who sell insurance explained, but also to request that provided documentation on the accompanying insurance rules. New auto insurance rules have only performed the rights, obligations, excluding not be compensated.

Therefore, to avoid such negligence can cause disadvantage later on, before buying the insurance, car owners should study carefully the items in the contract and the terms of insurance expansion.

Understand the rights and responsibilities

When buying insurance, customers would also like to when the problem will be quick and fair compensation, was replaced in the car or garage professional auto insurance company and using genuine spare parts.

Specific talks about each of the terms is the best way to ensure the rights of people to buy auto insurance is respected.

Choosing appropriate auto insurance package

Buy best auto insurance means buying a paper plate guarantee payment of those unwanted risks that may occur in the future.

There is a delivery contract between the owner and the auto insurance company, that car owners insurance premium and the insurance company is responsible for compensation for the damage specified in insurance contract.




The first customer car owners often buy coverage for the vehicle based on the advice of the car salesman or the introduction of acquaintances.

The lengthy, complex documents in the contract may be the cause for many people put their trust in the insurance salesman, they are only interested in the premium amount and level of reimbursement. This can cause them to pay higher premiums but when trouble does not return best auto insurance services as desired.

So, the first person to buy the right car insurance depending on the financial possibilities as well as its travel environment that choose this type of voluntary insurance accordingly. After many years of use, they will cast the experience to select the most suitable product.

For example, for the line of cars the average value, you should purchase the hull and flooding (glass house), the line of cars to buy more best auto insurance for stolen parts.

Life insurance - a great choice during my life

Power would push me forward in my job? I feel I have a responsibility to perform. I got to meet a lot of people, and there is not much time left. I believe that nothing can replace a life insurance.



That's why life insurance became an obsession of mine. That is the reason why it became a religion, a crusade. That is why I suggest everyone who I've ever encountered to buy life insurance. That is why I thank God for giving me the opportunity to become an insurance consultant.

To me, family protection program was completed. I've been hard at work to getting a lot of the life insurance contract. I know that when my time has run out, my son can no longer father of it again but it will have income, the safety that it leave.

My insurance can't replace me but it will bring security for the future of my son and my house. My parents who have since I know how things are now, already old at all. They sacrificed for me. A serene feeling to know how if I know that my parents will live a comfortable old age, that they would not expect anything else, because life insurance has run out. I am indebted to miraculous life insurance.

My son doesn't want me to go meet clients in the evening. Every night when I left home my son said "Daddy, Daddy, good luck and come back home." Back home! I'm not a stupid fathers. I know that probably someday I will not be back, but I have a real sense of contentment in knowing that even if I do not return, the magic of life insurance will my son's care.

Information about Prudential Insurance Group

Prudential Insurance Group (LSE: PRU, NYSE: PUK, SEHK: 2378) is a life insurance company and a multinational financial services based in London, United Kingdom. This group was founded in London in May of 1848 with the name Association for lenders and ensure Prudential investments aiming for partners and employees loans.



Prudential's biggest market is in Asia, with more than 13 million customers in 12 countries and is the leading provider of life insurance in Hong Kong, India, Indonesia, Malaysia, Singapore, the Philippines and Vietnam. Prudential in the uk, there are approximately 7 million customers and is the leading provider of life insurance and pensions in the country.

Prudential also owns the company, Jackson national life insurance, is one of the largest life insurance in the United States, and the investment firm M & G is a company focused on asset managers with total assets under management is 228 billion announced on 31 December 2012.

Prudential's stock is listed on the London Stock Exchange and is a component made up the FTSE 100. It has a life insurance market capitalization of about 33.4 billion on November 29, 2013, make Prudential became one of the 18 largest companies on the London Stock Exchange trading floor. Prudential are also listed on the stock exchange of Hong Kong, New York and Singapore.

Life insurance service is my passion

The distress, worry it is not easy to find the answer until I know to life insurance. I have found life insurance is key to ensuring the financial security for every family.

In each of us, who are also the dream. Prior to working for Prudential insurance company, I just dream after this I will have a happy family, a wonderful husband and the kid. But since to collaborate for the insurance company, then my dream still further, I not only want her happy, but also desire to bring happiness to the millions of people Vietnam.



Yes, life is inherently rife with uncertainties, risks no one know what will come tomorrow. If one day the father work that never on anymore? Whether one will on behalf of the father to be able to share the burden in life with his mother? Who can worry for the children tho chu later have bright future? The distress, worry it is not easy to find the answer until I know to life insurance. I have found life insurance is key to ensuring the financial security for every family.

12 years ago, I did  business insurance management for a company of South Korea. My sister at the time was leader of the Prudential. She prepared the baby should invite me on the Secretary to support for the development team. In the process of working here, I witnessed her burning passion for insurance. She has set out plans and goals are very clear. When did plan, reached by was whether sick or how hard. I get 4 months my sister up standard business Chief, a title that many dealers have been dreaming. I extremely admire and adore her. At that time I also secretly cherished the dream after this I was so. I have please give me the opportunity to become partners of the company.

The first day with my hard work, I've encountered a lot of refusal from the client side, such "insurance scam full stop," or "insured losses are not careful" and many similar statements make me frustrated. If there is no activity and sister fire maybe I've quit.

Until one day, she is my natural gut to emergency because of intense abdominal pain. After the hospital visit is still not out of the disease, the Hospital decided to see what emergency slaughter in particular that hurt. Surgery, the results led both the hospital and the family I am stunned, she has had cancer last stage security pipeline. After nearly two months of her death (her husband may not have lost two years earlier). I wonder if there is no life insurance contract that she signed previously with the company, the two children to her house I will live?. Company representatives have arrived and gave condolences two children amount to more than 100 million, the contract also be free of the following 9 years until the two children I have 18 years and expire will receive more than 100 million.

I have to comprehend the full meaning of life insurance and that has made me completely change his thinking. I resolve to take responsibility and love for the profession of insurance advice. A dignified profession with the deep meaning that I was experiencing.

Since she died, by his sincere heart to witness and feel the pain at the loss of a loved one, a pain that nothing salvageable, I've been more effort, more belief that I will certainly also bring to the financial guarantee for so many other families. I take a lot more than just ahead, arrange to meet more customers every day to share that affordable insurance sense to the millions of people Vietnam.

Term- long life insurance policy for children

You have put your trust in Prudential when it decided to join the main life insurance products or packaged products. Just join more supplementary product "term life insurance" or "term life insurance for children", you will be significantly enhanced benefits, helping you to more firmly believe about financial security for yourself and your family.



Case of death the insured person:
If the insured person death while contracts are still in force, Prudential will pay the insurance amount specified in the life insurance certificate, if not have a claim for injury cases and permanent.

The case of the insured person and permanent injury:
If the insured person suffers injury and permanently while the contract is still in force, Prudential will pay the life insurance amount specified in the insurance certificate to do 10 times in 10 years, since the date of injury and permanent. Payments each equal to 1/10 of the total money that Prudential is charged.

The life insurance funds yet pay off (as of the time of expiration or until the insured person's death) will be paid for once.

Automobile insurance company gets in trouble

The report of the Association of automobile manufacturers showed Vietnam, early March sales results of 2014 continued is a sad figure for auto insurance company, the insurers of motor vehicles. Specifically, the total energy consumed in the car, 2/2014 of only 34% reduction were 7,314 compared with the previous month. This was the second consecutive month the production of automotive sales were declining significantly.

Sales of cars plunged, meaning the insured House hardly promoted the sales of premium cars. Automobile insurance (in motor vehicle insurance segment) continued to be sought as a spearhead in the deployment of the retail plan.



According to the data of the insurance supervision authority, the Ministry of finance, 2013, professional motor vehicle insurance premium revenue 6,854 billion, the highest proportion in the total premium revenue (28%) and an increase of 8% compared to the year 2012. Thus, recently, many insurers still decided to focus service upgrade, to attract customers.

Specifically, PTI is coordinating coverage with the garage on the biochemical transparency nationwide repair time for customers; before signing the contract, to the garage to fix quote; inform the customer expected time repaired the car. Every year, the PTI will conduct reviews of the system link according to the garage with a more realistic, aim to improve the quality of insurance service for customers.

Also aim to improve the quality of customer service, insurance has officially launched the service through customer support form to send messages through your mobile phone (SMS) and sending messages through electronic mail (email).

Accordingly, to purchase automobiles or motorcycles, customers need only send the message according to the syntax rules. After receiving the message, Vietnam will actively contact customers and free advice to clients with suitable products. Besides, clients join car insurance in Vietnam (before applying to the insured clients at Office Headquarters insurance company Baoviet and Hanoi) will enjoy the other support services such as retrieval information automobile insurance contracts of his ...

Meanwhile, Liberty also are gift program for loyal customers. Specifically, customers who currently have insurance contract for automobile material with Liberty have loss rate in year of the most recent insurance do not exceed 30%, agreed to renew the contract of insurance in time from now to the end of March 2014, and a full charge before April 30, 2014 will be awarded Big C coupon worth up to 1 million ...

Exchange with ĐTCK, represented a casualty auto insurance company in the country, said automobile insurance is still an attractive segment, easy to generate revenue in the context of the other insurance business has yet to show signs of strong recovery. However, this representative admitted, automobile insurance years without interest, should not "let go" of this profession, but this year the company also do not focus too much on investment here.

Fact, the hole in the automobile insurance services is not a new problem, the auto insurance company understand the cause why this profession.

Benefits of auto insurance in hurricane season

The hurricane season starts, repeatedly warning information on disaster risks was mentioned. Insurance service is referred to as a limited solution focus risk.

Recent studies of the Asian Fund pointed out that, in the past 20 years, Vietnam is 1 in 5 countries with the highest disaster risk in the world. According to the evaluation of the Institute of hydrology, auto insurance company, meteorology and environment (Ministry of natural resources and the environment), in 5 years, each year the disaster that killed about 500 people and damaged 14,500 billion, equivalent to 1.2% of GDP.



It is known in Asia in recent years repeatedly encountered many serious disasters from hurricanes, floods, earthquakes to tsunamis. Statistics shows that only in 2014, natural disasters have caused economic losses of up to 110 billion dollars, while in Asia, the figure up to 52 billion dollars, accounting for 47% of the total economic losses caused by natural disasters worldwide. Most recently, the earthquake in Nepal have internodes up ring about the need for insurance.

Speaking at a seminar held in Ho Chi Minh City recently, Mr. Bala Suppliah, in charge of risk analysis for Asia-Pacific, the auto insurance company that AIG, the insurance needs, natural disasters in Vietnam will be enterprises inside and outside the insurance industry more interested.

"In the context of natural disasters occur frequently, the top concern of businesses in Asia including Vietnam not only damage to property but also economic losses due to interruption of business.

Businesses understand that, by using the natural disaster insurance business has diminished somewhat anxiety and financial damage to themselves, "said Bala said and well said, what makes the difference between insurance companies is likely to up the model risk ratio assessed , advice and recommendations, propose solutions and effective technologies to reduce the risks at the lowest level possible. The multinational insurance companies still have the advantage in strong financial compensation to assist enterprises in major disaster situations.

In today's Vietnam, disaster insurance as well as insurance products, climate disaster is business interruption insurance ... haven't really been focused. However, after the "Newt" super salmon in Hanoi last June, although property damage is not too great, the range on the under 10 billion and losses mainly motor vehicles but "shield" role was also more positive.

Life insurance "booming" in new mining revenue

First six months of the year 2015, while premium revenue of the mass casualty only growing more than 10% over the same period, Life insurance business has big surge when mining revenue the new premium increase to more than 40%.

In addition, auto insurance company must also speak to an important cause is the macro economic situation started to warm up, people are more likely to participate in the type of insurance. And what's more, experiencing many difficulties when risk is not protected, the sense of people's insurance also increasingly enhanced. ...



According to the report of the Bureau of insurance supervision and management, in the year 2015, the sales charge full market reach 30,536 billion, up 19.4 percent from the same period in 2014. In particular, the new mining revenue in the life insurance sector growth of more than 40%, this is the high growth rates in the past 10 years.

Along with creating impressive sales figures, from the beginning of the year, the market also saw major changes of some life insurance companies. Not only the insurance company has a large market share are there major changes about the business strategy, further expanded the area as Prudential Vietnam, Manulife Vietnam, AIA Vietnam, Dai-ichi Life Vietnam ..., that some commercial auto insurance companies had the young also have many changes.

Such as VietinAviva and Prévoir Vietnam began to approach and develop more agent channel after years of going in the direction of private is only selling insurance through Bank channels and postal system.

Just officially opened customer service center and Office life insurance agents in Hanoi and Ho Chi Minh City would be forthcoming, Prévoir Vietnam representative said, along with the opening of the new Office, Prévoir Vietnam also will continue to promote the work of recruiting the personnel fit for a team of professional insurance agents , as well as many other business locations in order to meet the expanded strategic business activities across the country.

Actually, to get more clients, then in addition to the development of the service, to market the right products to meet the demands of the people, the expansion and development of distribution system of insurance products is inevitable direction of the insurance company.

Auto insurance company should be considered

Times are hard, people interested in saving. So all expenses are very thorough considerations. Time to renew the contract of automobile insurance, you may also be wondering if I should continue or stop and in both cases, you will have the choice?

A businessman has been buying insurance for your Mercedes R300 from an auto insurance company, with fees of about 46 million in 2013. However, he rarely used the car and he was also a driver very carefully throughout the year, he claims only once with the amount of about 7 million.



Think you'll be more profitable when auto insurance for his car, he decided not to renew insurance contract when it expires. Unbelievably only less the next day, his car suffered hydraulic House forced to replace the entire motor. This disaster caused him to lose about 1.3 billion.

The insurance company has been serving customers is very sad to hear the news of the unfortunate former client, but vows to be sorry when could not help him.

According to the statistics of a casualty insurance company abroad, at least 2/3 of customers have ever received compensation from the company in the past year, should be able to say is that almost everybody has at the need for insurance.

If you decide not to renew the contract of automobile insurance? Welcome to the "Las Vegas", where you will gamble with risks! You will bear all the losses, if any, and wish you luck! But anyway, do not forget to renew the contract of a civilian casualty insurance compulsory.

As a rule, the cost is only 5 cars per year for copper 436,700 and copper per year for car 873,400. The fine for not buying this type of insurance is definitely higher than the premium you have to buy, and the chance of you being "enquire" by traffic police force is very high.

If you want to buy insurance with just the minimum cost? Currently, the casualty auto insurance company has a preferential policy for the customer loyalty and drive safely. So, you can save money by staying long with one auto insurance company and claims only when repair costs are considerable.

Automobile insurance, ' relatively stable ' form

According to preliminary statistics of the Department of management, the insurance supervision Department (Ministry of Finance), the first 6 months, motor vehicle insurance continues to be the leading business revenue than the other services, although the decrease of 3% compared with the same period in 2013, reached 2,424 billion.

Motor vehicle insurance is still considered one of the leading retail products and continues to be the insurance companies push the harness in order to offset the other services are being reduced. These companies are tapping the motor vehicle insurance is quite good on the market today including insurance, PJICO, PTI, PVI, Bao Minh, MIC, Liberty ...




Represents a non-life insurance business, said, with regard to motor vehicle insurance business, new sales contract number is still rising. However, many customers trying to save on premiums by not buying additional products such as accident insurance for people sitting on the car or the voluntary liability insurance. The amount the client refused to renew because of economic difficulties has tended to rise higher before.

In General, motor vehicle insurance plate tends to decrease, but the insurer expected, this reduction is not extended into the third quarter and the fourth quarter/2014. The economy continued to recover along with best auto insurance the sales of new cars of Autos are rising up pretty strong foundation for this belief.

Meanwhile, a representative of insurers share, currently, some big cars want to increase in sales should have actively approached the reputable insurance companies to donate link insurance for customers to purchase the car. In addition, not least the Bank are the development of bancassurance (insurance sales through banks) should also actively seek insurance partner to cooperate.

"The trend in the coming time, the Bank will closely and considered the provision of insurance services is a vital profession brings in revenue. The Bank will probably create more conditions for motor vehicle insurance development, "said representative and said that the insurer was the Bank choose to co-operate not because of cheap fee or Commission high, that would be the business for good products and services, bringing promising high returns for long term partners.

According to experts in the industry, 6, 2014, turnover of motor vehicle insurance business in decline, but in return, the rate of compensation at high levels of the previous year has dropped close to standard compensation rate of best auto insurance.

The flow of commercial auto insurance

Though still modest turnover, but according to the insurance business are credit insurance products, the trade aware of many import and export business of credit insurance has been changed by more positive trends.

Meanwhile, off to the "flow" of this product, the commercial auto insurance company are many and new cooperation projects.



Exchange with ĐTCK, she vo Thi Phuong Anh, General Manager of Coface Vietnam said, in 2009-2010 (new time pilot deployment of export-credit insurance is a product business in trade credit insurance), the number of this insurance business just count on the fingertips.

Even, the approach to learn business interested in export credit insurance is not also quite difficult, because the concept of this insurance for business is also rather vague, maybe even units still think Vietnam market can hardly provide credit insurance. However, at present there has been a significant change.

According to experts in the insurance industry, one of the key reasons forcing the import to change thinking and have more positive thoughts with trade credit insurance is to undergo many years of crisis, so far, importers tend to buy items as T/T payment charged after more payment methods L/C tradition.

The payment of so many potential risks and procedures also met much trouble. But the producers, exports because of the competitive factors and to ensure the output should have to accept T/T payment conditions to pay later.

How to ensure the safety in payment of export goods is always a headache problem of many enterprises, export. Purchase insurance to avoid risks is one of the options that many businesses are counted.

In addition to elements of the business has changed the thinking about credit insurance, you have a more advantageous insurance to help companies ease off this segment information is currently the banks are eager to create favorable conditions to diversify activities and provide rich financial products modern, and a maximum capital to reinvest.

"The fact that, for the financial group, the two-pillar concept combining banking, insurance is always part of the plan. But consecutive financial crises has led many corporations to back off the plan and now can launch back ", she Means He recognizes.

In Vietnam, an agreement between the three Coalition partner, Coface and Eximbank to develop credit insurance product combined commercial trade financing will likely become a new trend for insurance companies to open the flow of trade credit insurance.

Designed to protect people in case of export import loses the ability to pay; or delay payment or due to political risks causing the import could not make the payment, so when joined "trade credit insurance" then the export will have two main interests, that is to minimize risks and increased competition in the marketplace.

Talk about the potential of this business, Mr. Le Van Thanh, General Director of Bao Minh said that opportunity is still very much for the insurance business. In 2014, the turnover of export-credit insurance is a product business in trade credit insurance reached about 17 billion. This is pretty impressive figures, however, compared to the potential of the market, the turnover is also very small.

"In fact, the only revenue of these businesses have valuable export, commercial auto insurance contract and this contract also primarily of import-export businesses have foreign shareholder's capital contribution, so they are very understanding of export credit insurance. Also the Vietnam business still not much interest, "he said and hoped, in 2015 and the years to come, this professional plate sales will grow more, especially when the the Bank's.

Reportedly, despite many difficulties when implementing this insurance business, but the insurer still reviews this is a type of insurance is very potential, should still resolve to exploit, although determining the time to export businesses better understand the meaning of the product is not "on a two-day". Therefore, the Vietnam insurance company are also very actively bringing out different strategies to grow and through this segment.

Commercial auto insurance for import and export enterprises

17/6/2015, in Ho Chi Minh City signed cooperation agreement with Coface and Eximbank to first give the market new solutions package on commercial auto insurance "trade credit insurance-commercial funding mechanism" for the IMPORT-EXPORT business.

Accordingly, the total Bao Minh company join this solution package as the original home insurance, are responsible for issuing "trade credit insurance" and compensation when such may have the insurance event occurs. Here is the solution to protect against the risk receivables and connected with the effective solutions of the business of IMPORT-EXPORT business in Vietnam.



Coface financial group will play the role of House business insurance for the Bao Minh insurance application; at the same time is responsible for credit risk assessment, program design, appropriate risk management and promotion of contract "trade credit insurance" for the parties concerned. Eximbank will also as a partner bank of the package solution.

Speaking at the event, Mr. Le Van Thanh, General Director Of Bao Minh company, said: credit insurance business for export has been Proving in partnership with Coface deployment from 2009, but have yet to develop strong, mainly from FOREIGN clients with a turnover of 17 billion in 2014.

After this solution insurance package deployment is successful, Bao Minh will be adding a channel revenue growth, enhance brand reputation; Eximbank will have more good financial self-defense measures, minimize risk; Coface can expand business models and offer more professional financial services.

Also according to him, this solution Pack helps the GOV'T in the Vietnam IMPORT-EXPORT risk insurance in commercial auto insurance activities. Accordingly, the farmers, the distribution channels, processing agricultural products, commodities ... will also benefit when the activity of the ENTERPRISE and EXPORT safe, effective

Health insurance card and its benefits

1. the health insurance Card is issued to people who join health insurance and as a base to enjoy best auto insurance, the benefits of medical insurance under the provisions of this law.

2. Each person is only granted a medical insurance card.



3. the health insurance card point value used shall be as follows:

a) for participants of health insurance as defined in paragraph 3 of article 50 of this law, the health insurance premiums from the second onwards or medical insurance participants prescribed in clause 2 Article 51 of this law, the health insurance card worth using from the date of medical insurance premiums;

b) for health insurance participants as defined in paragraph 3 Article 50 of this law first health insurance or health insurance intermittently, the health insurance card worth the use after 30 days from the date of medical insurance premiums; particularly for the rights of high-tech services, the health insurance card worth the use after 180 days from the date of medical insurance premiums;

c) for children under 6 years old, the health insurance card worth the use on young enough to 72 months of age.

4. the health insurance Card not worth using in the following cases:

a) expiry of the card was used;

b) card being repaired, erasing;

c) people with the name on the card does not continue to participate in health insurance.

5. Organization of the model regulations health insurance medica,l insurance card, health insurance card management in the country and the slowest to January 2014 must implement the release of health insurance cards have pictures of medical insurance participants.

Health insurance and responsibility of the Ministry of Health

1. Policy formulation, legislation on health insurance, health system organization, online medical technical expertise, financial resources to serve to protect, care for and improve the people's health based on medical insurance for the entire population;

2. Build strategic, planning, the overall development plan of health insurance;



3. The promulgation of the list of drugs, auto insurance companies, medical supplies, technical services in the scope of participants to be entitled to medical coverage and other technical expertise related to the medical examination and treatment for health insurance;

4. construction and the Government to ensure that solutions to the health insurance fund balance;

5. Advocacy, policy, common law on health insurance;

6. Directing, guiding the Organization implemented medical insurance mode;

7. Inspection, test, handle complaints and violations, accusations about health insurance;

8. Tracking, reviews, summarizing the activities in the field of health insurance;

9. scientific research organizations and international cooperation on health insurance.

Health insurance and related meanings

1. Health insurance is the insurance forms are applied in the field of health care, not-for-profit purposes, due to the State of implementation and the object is responsible for participation under the provisions of this law.




2. medical insurance for the entire population are the objects specified in this law are taking health insurance.

3. the health insurance Fund is the financial fund formed from closed sources of health insurance and the other, legitimate source of revenue used to pay medical expenses of healing for participants of health insurance, the cost of managing the Organization's health insurance and legal costs related to medical insurance.

4. The employers include State agencies, the public, the people's armed units, political organization, social-political organizations, life insurance, social-political organizations, social organizations, social-professional organizations, cooperative enterprises, individual business households and other organizations; foreign organizations, international organizations active on the territory of Vietnam is responsible for health insurance premiums.

5. The base doctor, cure health insurance was the original basis of the consultations, the first healing according to the register of  health insurance participants and noted in the medical insurance card.

6. health insurance examiner's professional activity by health insurance organizations to assess the rationality of medical service provision for medical insurance participants, as a basis for payment of the costs of medical examination and treatment for health insurance.

Electronic social insurance records in Vietnam

Social insurance records include: electronic declarations and documents prescribed by the law on social insurance, medical insurance, unemployment insurance in electronic form.



-The accompanying documentation in paper format must be converted to electronic format and meet the following conditions: auto insurance companies, reflects the integrity of the content of the paper documents; There are separate symbols of confirmation was moved from paper form to the document message data in electronic transactions; The digital signature and the name of the person who made the transfer from paper documents to data messages in electronic transactions.

-When paper documents are no longer legal value, the related content in the message transaction data electronically also no longer legal value.

Requests for records of electronic social insurance: social insurance records electronically must meet the requirements of management, in accordance with the provisions of the law on electronic transactions, social insurance, health insurance, unemployment insurance.

In case law, the signature required text message transaction data electronically are considered legal when that data messages be signed with digital signatures; Social insurance records electronically must have a sufficient number of signatures of people who are responsible for signing the message data for electronic transactions under the rules.

In the case of a written law must be stamped with the seal of the Agency, the competent insurance organization, the message data that electronic transactions are considered legal when that data message is signed using the digital signature of the authorized person under the provisions of the law on management and use of the seal and signatures.

Electronic social insurance in Vietnam:

Submission of electronic social insurance through the electronic portal of social insurance in Vietnam.The employer made social insurance filing electronically in one of two ways:



+ Labour users to access your electronic social insurance, made up of social insurance records electronically online auto insurance companies at the electronic portal Vietnam social insurance and social insurance records are sent electronically to the social insurance of Vietnam;

+ The employers set up social insurance records by electronic software, trading support tools electronic social insurance standard data format of the Vietnam social insurance; then access your electronic social insurance to make send electronic social insurance in Vietnam.

-Within 2 hours from receiving social insurance records the user's electronic labor, social insurance Vietnam sent a confirmation of social insurance filing electronically via the e-mail address for the user./.

Responsibilities of social insurance agency

-Establish, maintain, secure the connection, the connection between the standard electronic transactions Gateway of Vietnam with the social insurance organization I-VAN to make offers electronic trading services in the field of social insurance. Operation of the system of receiving and processing the data of electronic social insurance guarantees continuity, integrity, security, safety, and security.



-Receiving records and resolve the request of the employers of electronic transactions in the field of social insurance.
-Supports the use of labour in the receiving, transmitting, storing message data recovery, electronic transaction as required.
-Support of social insurance for the organization I-VAN to make the transaction receipt, transmit, store, message data recovery of electronic transactions, life insurance  between users with social insurance labor Vietnam.

-Timely information to the organization I-VAN and the employers the new rules of social insurance in Vietnam about the model, the standard format of electronic trading services in the field of social insurance on the portal in electronic trading of social insurance in Vietnam.
-Coordination with the organisation I-VALVES profession support for labour users to perform electronic transactions in the field of social security when requested.

-Supporting I-VAN and the employers solve the problems relating to social insurance services, medical insurance, unemployment insurance in the process of implementation of electronic transactions in the field of social security when requested.
-Notice and pay the results resolved in accordance with the law on electronic transactions, social insurance, health insurance, unemployment insurance and the legal provisions concerned.
-Publicly list the organizations provide the service I-VAN on the electronic portal Vietnam social insurance to employers ' choice.

-Stop the transaction records of electronic social insurance when employers who violate regulations on safety, security and information technology systems of social insurance in Vietnam.
-Check the implementation of social insurance, health insurance, unemployment insurance for employers under the provisions of the law.

Unemployment insurance and obligations of the employer

Obligations of the employer.

-Create, send, receive social insurance records electronically directly in the electronic portal Vietnam social insurance or through electronic trading Gateways of organization I-VAN.
-Do not perform transactions by paper records for the registered procedures by electronic transaction form in time are performing electronic transactions, except in the case specified in clause 6 of this Article..



-Digital signature and  auto insurance companies,  management and ensure the accuracy of the digital signature on the social security record; manage your account name and password, social insurance transactions to ensure computer security, information security data on the system of electronic data exchange hosted I-VAN and information technology system of social insurance in Vietnam.
-Archive and ensure the integrity of the entire social insurance records electronically according to the provisions of the law on archives, electronic transactions, social insurance, health insurance, unemployment insurance and the relevant legislation.
-Implement the insurance regulations ensure the safety, security and the system of electronic data exchange of the organization I-VAN and information technology systems of the social insurance agency.
-Establishment of social insurance records in paper submitted to the social insurance agency to directly manage the latest 5 working days from the date of expiry of the filing of social insurance in case of to deadline that the electronic social insurance system of electronic data exchange technical infrastructure, have yet to fix the problem.
-Implement the terms of an agreement signed with the organization I-VAN and pay to use the service I-VAN on the basis of a signed contract.
-Executive inspection, inspection of the competent State agencies on the implementation of social insurance, health insurance, unemployment insurance in accordance with the law.
-Responsibility before the law on Declaration of social insurance records of his electronics under the provisions of the law on electronic transactions, social insurance, health insurance, unemployment insurance and the relevant legislation.
-Perform other duties as prescribed by law.

Conditions of unemployment insurance in Vietnam

The principle of electronic transactions in the fields of social insurance:



-Implement the provisions of the law on electronic transactions, social insurance, health insurance, unemployment insurance and the relevant legislation.

-Ensure continuity, timeliness, clarity, accuracy, fairness, honesty, efficiency, safety, compliance with the provisions of the law on privacy and information integrity.
-Have the deed of force due to the organization providing the service-level digital signature authentication specified by law when participating in electronic auto insurance companies, transactions in the field of social insurance.

Conditions and choice of electronic transactions in the fields of social insurance of the employer:
-The employers make electronic transactions in the fields of social insurance must meet the following conditions:
+ Has the certificate prescribed in paragraph 3 of article 4 of this decision;
+ Has the ability to access, use the Internet; e-mail address of contact stability and social insurance register with Vietnam.

-The employer of choice in electronic transactions in the fields of social insurance directly through the electronic portal of social insurance in Vietnam according to the provisions of article 18 of this decision or through electronic trading Gateways of organization I-VAN under the provisions of article 22 of this decision.

Liability product insurance and related examples

The insured person not only the manufacturer of the product need product liability insurance. Distributors and retailers in the distribution insurance channels are also responsible for goods supplied to the customer.




Some examples of product liability
-Concrete manufacturer-defects of the bearing bars led to the demolition of best auto insurance at the House.

-Electrical equipment-misuse of material or wrong installation makes inhabitants use the injury, death or cause a fire
-Food suppliers-contaminated food or drink or using inappropriate materials which cause food poisoning for the customers
-Manufacturer of children's toys-toy's parts causing best auto insurance injury to children or do not have the recommended age can play
-Transportation manufacturer-defective products causing traffic accidents.
-Pharmaceutical manufacturers recommend or pharmaceutical manuals not satisfactory to harm patients.

Vietnam insurance Travel for foreigners

SUBJECTS COVERED

1. Under the terms of this rule, the total Security Corporation (Bao Minh) insurance for foreigners including Vietnam travel, and auto insurance companies, Vietnam people settled abroad (hereinafter known as the insured), including:

a. the people in Vietnam, visiting friends, her children, conferences, seminars, Congress, sport competitions, art performances, the work.

b. people who are living in Vietnam as experts, workers, students, those who work in the diplomatic corps, international insurance organizations while traveling in Vietnam territory.



2. in case the insured go prospecting, exploration, performing dangerous, racing, horse racing, luớt game ... just covered with the condition have filed additional charges of insurance for Smart Security prescribed in the fee schedule and amount of insurance.

THE COVERAGE

The coverage includes the following risks:

1. physical injury or death by accident.

2. Sickness or death not by accident within the insurance period.

3. Loss, damage to baggage, and widgets can bring own reasonable insurance rules for the cause: fire, explosion, transportation crashes, sink, topple, fall.

4. Take the raw piece of baggage sent by the voyage.

Types of travel insurance you should know

European travel insurance-Schengen

Compensation insurance for the risks of injury due to accidents, illness and the risk, Auto insurance companies and other incidents during the cruise travel Schengen (Eu). The products applied for Vietnam nationals abroad for sightseeing, holiday, visiting friends, her children attended the International Conference, Congress, sport competitions, art performances, work.

Travel insurance for senior America

Travel insurance Europe risk compensation injury due to accidents, illness and the risk, other issues during international travel itineraries. The products applied for Vietnam nationals abroad for insurance quotes auto sightseeing, holiday, visiting friends, her children attended the International Conference, Congress, sport competitions, art performances, work.

Asia travel insurance advanced
Asia travel insurance compensation for the risk of injury due to accidents, illness and the risk, other issues during international travel itineraries. The insurance products applied for Vietnam nationals abroad for sightseeing, holiday, visiting friends, her children attended the International Conference, Congress, sport competitions, art performances, work.

Hull Insurance - Automobile physical damage insurance cars

Intelligent protection of auto insurance companies related to compensation for the physical damage caused by the accident, outside the control of the owner of the car, driving in these cases:

1. Collision,overturn;
2. Fire, fire and explosion;
3. The unforeseen disasters caused by nature: hurricanes, floods, landslides, lightning, earthquake, hail;
4. external bodies acting on motor vehicles;
5. Take the whole Hull Insurance-Automobile physical damage insurance cars

Intelligent protection of compensation for the physical damage caused by the accident, outside the control of the owner of the car, driving in these cases:



1. Collision, overturn;
2. Fire, fire and explosion;
3. The unforeseen disasters auto insurance quotes caused by nature: hurricanes, floods, landslides, lightning, earthquake, hail;
4. external bodies acting on motor vehicles;
5. Take the whole car in case: car theft, robbery, sexual won; 6. Accidents due to sudden risks other than the exclusion of the provisions of article 9 and article 14 rules of motor vehicle insurance.

In addition, the Coalition also pay the reasonable and necessary expenses incurred in the accident in order to prevent coverage, limiting losses, protect and bring the car to the nearest repair, damage assessment.

In all cases, the total amount of compensation (including costs) for one insurance event does not exceed the amount of insurance (liability insurance) recorded on the certificate of insurance.car in case: car theft, robbery, sexual won; 6. Accidents due to sudden risks other than the exclusion of the provisions of article 9 and article 14 rules of motor vehicle insurance.

In addition, the Coalition also pay the reasonable and necessary expenses incurred in the accident in order to prevent coverage, limiting losses, protect and bring the car to the nearest repair, damage assessment.

In all cases, the total amount of compensation (including costs) for one insurance event does not exceed the amount of insurance (liability insurance) recorded on the certificate of insurance.

Information about Bao Minh auto insurance service

Bao Minh insurance is proud to be one of the 3 leading insurers has auto insurance companies in Vietnam in recent years.

With the motto "dedicated service", Proving non-stop effort to bring customers the practical products with attentive service and a professional one.

Insurance: the insurance services group Bao Minh's primary.

Bao Minh does give the market more than 100 types of auto insurance products, apply to all subjects covered, fully meet the needs of the individual and the organization. These products focus on 8 insurance services group, as follow:

1. Travel insurance
2. Motor vehicle insurance
3. Technical property insurance
4. Liability insurance
5. Marine insurance
6. Freight insurance
7. Aviation insurance
8. Human insurance

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