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Life Insurance News
Life Insurance: What You Need to Know?
Feb 25, 2019
Frequently Asked Questions
Q: I have a congenital health condition. Can I still buy Life Insurance?
— Yes, you can buy insurance. But it is important to know if the insurance provider does not guarantee accidents (sick claims) due to pre-existing disease or congenital conditions.
Q: What happens if there is no recipient of insurance compensation for a reason?
— In this case, compensation is paid to the legal beneficiaries.
Q: I do extreme sports, can I still buy Life Insurance?
— Yes, (you need an extension of insurance protection) the insurance issuer cannot refuse to guarantee you. But the interpretation of prices will be implemented, and the insurance guarantor can give a higher price on the grounds that they have higher risks as well. If you ignore information about this and one day an accident occurs, then this is the right of the insurance guarantor to refuse to give compensation to you. So, try to always tell the truth.
Q: How do I include a list of beneficiaries in my insurance?
— When you buy insurance, the insurance company will contact you to compile and request information about the list of beneficiaries (heirs). That's when you can add people as recipients of compensation.
Q: If I don't include a list of beneficiaries and something happens to me, who will receive compensation for my insurance?
— The granting of compensation is given to the beneficiaries in accordance with the law of inheritance rights that apply.
Q: What happens if I am paying my life insurance policy late?
— If a delay occurs, at the same time when the insurance holder submits a claim, the insurer will not be obliged to pay compensation for the claim (the policy is forfeited). So, you must always pay your insurance policy on time.
Q: Is there a legal age limit for buying Life Insurance?
— Prospective insurance holders must be between the ages of 18 and 60 to be able to purchase insurance coverage.
Life Insurance guarantees full compensation payment to recipients of compensation if there is a natural death or accident until the age of 99 years. The maximum amount that can be paid by an insurance company is determined according to what is stated in the policy.
Life Insurance is intended to provide compensation or compensation for recipients of benefits originating from family members of insurance holders when the claim borne by this insurance occurs (a claim occurs). Claims borne include cases of natural death and accidents.
Who can buy insurance?
People between 18 and 60 years of age at the date of purchase.
The duration of the active period of the certificate or insurance certificate (policy) is (12) twelve months and can be renewed at the same time of the time of purchase (either manually or automatically).
Available forms of payment are through credit cards or debit accounts that are equipped with Visa, Diners, and Mastercard (automatic debit or bank ATM that has been cooperating).
Insurance cancellation will only apply thirty (30) days after notification. For more detailed information, please read the terms and conditions.
Bao Viet Insurance
Prudential Viet Nam Assurance Private Limited
Manulife Viet Nam Insurance Co., Ltd.
Fubon Life Viet Nam
Sun Life Financial
Phu Hung Life
AIA (Vietnam) Life Assurance Co., Ltd
Generali Viet Nam
Hanwha Life Insurance Viet Nam
FWD Life Insurance VN
HSBC Viet Nam
Chubb Life Vietnam
Aviva VN Life Insurance
Vietcombank-Cardif Insurance Co.
Bao Minh Insurance Corporation
POST AND TELECOMMUNICATION JOINT STOCK INSURANCE CORPORATION
Petrolimex Insurance Joint-Stock Company
Bao Long Insurance
PVI Insurance Corporation
Bao Viet Tokio Marine
United Insurance Co. of Viet Nam
Samsung Vina Insurance
AAA Insurance Corporation
BIC Insurance Corporation
AIG Vietnam Insurance
VASS Assurance Corporation
MIC Insurance Corporation
Phu Hung Assurance
Bao Hiem Hung Vuong
VIETNAM NATIONAL AVIATION INSURANCE CORPORATION
Xuan Thanh Insurance Joint Stock Corporation
PVI REINSURANCE JOINT-STOCK CORPORATION