bảo hiểm tai nạn / accident insurance and bảo hiểm sức khỏe / Health insurance- surfing through life safety and full of confidence!

bảo hiểm tai nạn / accident insurance and occupational disease insurance are for a person who belongs to the category of social insurance. This is guaranteed by the state, and is regrouping relationships that provide social protection to employees to avoid the risk of diminishing or even more loss of work capacity.

 

New regulations were introduced emergency care at the accident site, outpatient medical treatment, tests and prescription drugs, medical services in hospitals specialized for occupational diseases, rehabilitation treatment work capacity, reconstructive surgery services and investigations specialty and laboratory analysis.

Also it can be treated free on RCA and CASCO insurance, those who are involved in accidents. If car drivers involved in road accidents diverse, they ensure the payment of all victims except the driver who went to the accident, are treated free. The driver who caused the accident and it can be treated free on bảo hiểm tai nạn / accident insurance.

In case of temporary disability base the allowances to reduce working time is the average of the gross wages of the employee in question, in the last 6 months prior to the incident that led to his inability to work . If the bảo hiểm tai nạn / accident insurance contribution period is less than six months, the basis on which allowances to reduce working time will be the average gross monthly wages that was paid contribution.

Policyholders of bảo hiểm tai nạn / accident insurance are entitled to medical benefits to regain health and work capacity. To recover, the insured are entitled to medical devices, with individual recovery programs, established by the doctor according to the nature of the disease.

Throughout this treatment, accommodation, meals and medical utilities are supported by all insurers. Benefits and services for rehabilitation and retraining are given by the insurer of bảo hiểm tai nạn / accident insurance to the insured’s request, even though it has not completely lost the ability to work.

If the insured dies in an accident at work or occupational disease compensation granted surviving spouse, child, parent or guardian. Compensation is taken into consideration, if the person who will receive compensation is heir or the person who pays for death.

 

bảo hiểm sức khỏe / Health insurance is a variety of optional insurance, requires the commitment of the insurer, the insurance contract, the payment obligation in favor of the insured or a person designated by him as beneficiary, the sum insured in case the insured risk. Ensuring people can be made to a risk that concerns the insured or to a risk of a person other than the one that issued the insurance.

Depending on the risk insured in providing basic bảo hiểm sức khỏe / Health insurance can be divided into two categories:

• Life insurance covering the risk of death ;
• Insurance of persons other than the life insurance covering the main limb or health.

bảo hiểm sức khỏe / Health insurance are a form of financial protection for dependents or other designated person upon the death of the insured.

bảo hiểm sức khỏe / Health insurance is to ensure the payment of money by the insurer, in case of an event related to the insured individual i.e. injury, illness, death, or its survival. Even young people can become ill or die as a result of unexpected accidents that will automatically generate and financial difficulties.

Lacking character of repair, bảo hiểm sức khỏe / Health insurance has no restrictions as property insurance. If after the occurrence of an insured, the insured suffers an injury or contracted a disease that affected his ability to work, he is entitled to compensation insurance, making it possible to restore its financial situation existing before contacting accident or disease.

Since the insurance person shall, in particular, health and physical integrity of the person, including the risk of death related to the conclusion of insurance contracts the insurer will require the insured or the insured to designate a beneficiary. The beneficiary is the person who will receive the sum assured in case of death of the policyholder / insured person.

People can conclude insurance contracts falling within the age, the times and conditions of payment of premiums and payment of insured amounts set by the insurer and provided in the insurance policy. Period of insurance and the premium payment period is calculated from the date of commencement of insurance, namely bảo hiểm sức khỏe / Health insurance of the calendar month for the payment of the first premium rate; death for life insurance with single premium – from the date of receipt of the policy and premiums; accident insurance – from the start of the insurer’s liability.

In bảo hiểm sức khỏe / Health insurance, insurers offer customers the possibility of bonuses which are generally set at the end of each year of insurance as a percentage of the sum insured.

The redemption amount is part of the reserve of raw party increases with time as they paid the premiums. The redemption amount must be less than the value corresponding accumulated savings policy. This is because the insurer retains policy acquisition costs and insurance costs.

It can make loans under the insurance policy, but only if the following conditions are met:

• the loan amount may not exceed the redemption;

• loan period, the insured amount and the redemption amount continue to grow, as it would not be granted the loan;

• if the insured redeem policy or dies before returning the loan, the outstanding amount is deducted from the amounts insured;

• loan interest rate can be fixed or variable;

• interest on the loan is payable immediately at the moment of the loan, or at its maturity.

Redemption is not the only policy option policyholder who wishes to discontinue the payment of insurance premiums. Sometimes, the bảo hiểm sức khỏe / Health insurance insurer offers the possibility of transforming the insurance policy into premiums paid annually in fully paid policy premiums.

 

The role of ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh City on the market!

When someone wants to buy/sell a home/land, they turn to a real estate agency like ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh City. How to choose the best real estate agency? Using a real estate agent? It is more advantageous for someone to buy/sell a house/land by himself or just seek the advice of a real estate agent?

 

Well, opinions are divided. Some believe that real estate agents cannot help people with anything while others believe that house prices are rising due to real estate agencies. There are people who have worked and are very satisfied with real estate companies like ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh City. What is the truth though? People should call or not a real estate agency?

First interested people need to know and understand the work that makes a real estate agency. The role of such company is to help people find their ideal home or to sell at a great price property / land property. A real estate specialist analyzes permanently the market, is aware of everything that happens in this segment, offering consulting the first time when people ask for help. A real estate agent is to advise and help people to make the best decision.

In other words, the real estate specialist, it saves hours, even days of searching, documentation and endless negotiation. In other words, with a real estate agency, people can sell/rent a property with an amount that particular people, ignorant of the market, nor dreaming. Just that someone can find the apartment want, at an affordable price and in an area where they ever could hope to achieve.

A real estate agency like ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh City will let people know, when they submit an offer, the price in the area, details of structural strength of the building, year of construction, surface and location, legal status of the building, shopping centers and the shortest access points by them. If the property that will be appropriate to their aspirations, real estate specialist must submit other possibly offers even propose new areas of presentation.

Many people have the feeling that an estate agency fee is paid from the beginning. But it is not. A serious agency like ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh that works for the good of its customers don’t ask and don’t receive any amount of money before designing a legal contract. Role of a real estate agency is to support people when they want to find their ideal property or sell it at a great price.

Real estate specialists from ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh analyzes permanently market, is aware of everything that happens in a desired segment and advise from the first moment that a customer using their services. Their role is to advise people and help them to make the best decision.

Due to the complexity of economic structures and diversity of social, legal, it is becoming increasingly difficult it is to buy/sell a property in the best possible conditions. By pervasive estate agents real estate market from ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh, it can sell the land/house to an amount that usual people, ignorant of the market as possible, not dream.

As an added value, with the offer proposed by ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh will provide details regarding the offer. If the property that will be suitable to people’s aspirations, then a ベトナムオフィス賃貸 /Office for lease in Ho Chi Minh real estate specialist presents other offerings that will mold to the needs and desires that people have.

 

bao hiem suc khoe / Health insurance are characterized by the fact that they are regulated by law. Binding nature of these assurances derived either because high frequency of occurrence of the insured risk or the severity of damage with low frequency.

Since compulsory insurance against civil liability is intended primarily to protect victims of traffic accidents by damage sustained by them by damage or destruction of property or the injury or death of a person under the scope of coverage in insurance law provides the insurer the obligation pay compensation to the victim – the person injured – not just when civil liability for damage caused to the insured returns, and when:

• one driving the vehicle responsible for the accident is a person other than the insured. This means that these people – without having to make quality legal point – are people covered by the insurance.
• there is a person whose civil liability is engaged because the accident remained unidentified author, but in this case only if the vehicle that caused the accident is identified and secured. This implies that the compulsory motor liability operates in the absence of the person responsible, producers depersonalization is a civil liability. Obviously, unless the contract of compulsory civil liability, no insurance company cannot be required to pay insurance compensation.

Under the law, if the insured is a risk that the insured event occurs which gives rise to the insurer’s obligation to pay insurance compensation as provided by law. Here it is noted that compulsory insurance and voluntary insurance as cases when there is an obligation to pay compensation insurer of insurance are provided by law.

For example is mention that bao hiem suc khoe / Health insurance against civil liability for the characterization of the insured should be considered:

• accident damage vehicle manufacturer to third parties;

• liability of the insured or the person covered by the insurance;

• the person responsible for the accident remained unidentified;

Insurer will pay insurance compensation for damage caused by motor vehicle accident if this accident can hire law, civil liability of the insured. In all cases compulsory insurance only covers liability of the insured tort. Since the law refers to damage of the insured liability under the law can not be invoked contractual liability of the owner of the vehicle, which has its origin in the will of the contracting parties consent.

If compulsory insurance carrier’s liability to passengers, bao hiem suc khoe / Health insurance requires the insurer to pay insurance claims travelers only the occurrence of traffic accidents during the journey and only persons in the vehicle (bus, for example) moving base ticket.

Under the contract of compulsory liability insurance liability insurer for damages caused to third parties, including expenses incurred by the insured in the lawsuit.

Compensation insurance limits are established by law, and compensation provided for compulsory insurance contract liability will be paid regardless of the number of cases of accidents that have occurred within the period of insurance. If the extent of damage caused in any single accident several people, including expenses incurred by them in the lawsuit exceeds the set limit, compensation is granted limit set for each person injured proportional relation between the maximum and the total damage. If the extent of the damage exceeds the limits of liability, the injured party is entitled under civil law in force, to bring the person responsible for the accident a recovery of the amount that exceeds these limits.

 

bao hiem / Insurance and phí bảo hiểm / Insurance fee –a short classification!

bao hiem / Insurance is an economic and social activity which is to protect individuals and businesses as insured against various risks and is performed by specialist companies, as insurers. However, bao hiem / Insurance are an economic transaction – which the named insurer financial indemnifies in case of an adverse event, the named insured, by an amount of money (phí bảo hiểm / Insurance fee, indemnity bao hiem / Insurance or bao hiem / Insurance claims). Insurers take risks in return for payment by the insured of an amount of money called premium or phí bảo hiểm / Insurance fee. Thus, in case of certain events or phenomena subject to bao hiem / Insurance, the insurer will compensate the insured for losses.

 

Highlighting forms of insurance are based on the following criteria for classification:

I) After the manner of achievement (depending on the birth of legal bao hiem / Insurance) is:

– compulsory, that will not require the consent of the individual or entity concerned. Compulsory bao hiem / Insurance require completion of mandatory liability insurance contract under penalty offenses and include all goods of the same kind or persons under the law. Amounts provided for compulsory insurance are fixed by the law. Validity of compulsory policy must be maintained at all times, which means that the insurer and the insured have rights and obligations unlimited time.

– optional (voluntary) bao hiem / Insurance that is contractual or voluntary insurance being based on the agreement of the insurer and the insured resulted in the insurance contract. As a form of insurance more flexible than compulsory, voluntary policy better match the needs and interests. Such bao hiem / Insurance shall be concluded only at the request of the insured.

II) After the nature of the object insured policy is:

• bao hiem / Insurance of goods, which relate to immovable and movable property (goods, vehicles, buildings, etc.);
• providing individual, group life policy and bao hiem / Insurance of persons other than the life policy (health, accident, travel, etc.);
• liability bao hiem / Insurance (against damage), especially for damage caused by car accidents;
• bao hiem / Insurance of financial risks such as credit policy, policy for loss of profit etc.

III) After the nature of the risk, bao hiem / Insurance can be classified into:

• life policy’
• Non-Life (General) policy.

IV) The territorial scope in there:

• domestic bao hiem / Insurance, which is practiced only in the country where the parties are domiciled or headquartered and objects and insured risks occur between national borders;
• foreign bao hiem / Insurance where the insurer, the insured or beneficiary of insurance are based in another country, or are the subject of policy or the insured risk and may occur outside the national borders of the country.

V) On the nature of legal relations, can distinguish:

• direct policy, when the legal relations between insurer and insured are established directly by law or contract;
• indirect policy, the bao hiem / Insurance relationship established between two policy companies, one emerged as reassured, and the other as a reinsurer.

 

For example, the phí bảo hiểm / Insurance fee indemnity received by a person in permanent disability policy for people, has no not limit or deny the right to receive indemnity due the same disability status, other people optional policy. Likewise, if the insured for disability is entitled to the sum insured under the voluntary policy of persons, even if disability was caused by a car accident and received phí bảo hiểm / Insurance fee for the loss suffered by the insured under compulsory liability self.

Voluntary bao hiem / Insurance have a fixed period stipulated in the insurance contract, after which the insurer’s liability ceases. Liability insurer, if optional policy is generated only by the existence of a policy contract and its terms to pay mandatory premiums phí bảo hiểm / Insurance fee. Failure to pay the policy phí bảo hiểm / Insurance fee premiums may lead to reduce the duration of policy, the insured amount proportional decrease the premium paid, and the abolition of the policy contract.

The insured is required to pay phí bảo hiểm / Insurance fee premiums to the terms specified in the contract, the insurer is not obliged to remind the insured maturity premium rates. However, if the payment of policy affects early, subsequent non-payment in cases specified in the contract does not entail immediate cessation of policy. In case of non-payment at maturity of a premium installment, the policyholder is entitled to pay within the period of 2 weeks; the situation of the policy contract remains unchanged until the deadline.

If, after the expiry of two weeks, the insured event occurs and the time of the insured is in delay with the payment of the premium phí bảo hiểm / Insurance fee or interest due, the insurer is released from its obligation. Only if people which policy reserves are established first, the insured may terminate payment of phí bảo hiểm / Insurance fee premiums, with the right to maintain the contract in force, however, a lower amount of insurance as determined by the size of the accumulated premium reserve if not opting for termination to return the reserve constituted (redemption amount).

Insured event is the event to remove the consequences of which bao hiem / Insurance has been made and the production which occurs obligation to pay the sum insured or the insurer’s compensation policy. Insured is obliged to notify the insurer contingency insured, within the period specified in the bao hiem / Insurance contract. Failure to do so may penalize the denial of payment of insurance compensation only if, therefore, could not determine the cause of the event and the damage.