What should you know about types of insurance?

25/05/2019 | 0 view
Vietnam or foreign people residing in Vietnam are aged between 16 and 65 years old.


1. Personal accident insurance

Subjects of application:

Vietnam or foreigners who settled in VN are aged between 16 and 70 years old.

Duration of insurance:

One (01) years or as agreed

Coverage:

Within the scope of Vietnam's territory.

Insurance fees

Premiums: The rate charged x amount of insurance coverage.

Insurance benefits

Where the insured dies within the insurance, ABIC pay the full amount of insurance.

Where insured bodily injury by accident under the insurance, pay insurance ABIC under the "Table of paid disability insurance."

2. Coverage for hospitalization surgery

The insured:

Vietnam or foreign people residing in Vietnam are aged between 16 and 65 years old.

Duration of insurance:

One (01) years or as agreed

Coverage:

Includes the following risks occur to the insured:

- Sickness, disease, bodily injury by accident, maternity hospitalization or surgery.

- Mortality in hospitalized cases or surgery.

Insurance benefits

- If the insured is hospitalized under coverage, ABIC pay for hospitalization.

- In case of surgery insured under the insurance, pension payments ABIC surgery.

- In case of death of insured coverage, ABIC pay funeral costs allowance

Insurance money:

- From 1 million to 100 million (or US $ 100 to US $ 10,000 from)

Insurance fees:

 The rate of charge x Sum Insured

 

3. life insurance

The insured:

Vietnam or foreign people residing in Vietnam are aged between 16 and 70 years old. People over 70 years old have been covered under this rule continuously since at least 69 years.

Coverage:

Death insured under the coverage.

Duration of insurance:

A year or as agreed

Insurance benefits

In case of death insured under the insurance, pay the entire STBH ABIC.

Insurance money

Sum insured: from 1 million to 10 million

Insurance fees:

The rate of charge x amount of insurance coverage.

4. Insurance combined human

The insured :

As citizens of Vietnam, foreigners who are studying or working in Vietnam from 16 to 65 years old.

Coverage:

- Insurance Conditions A: Death due to illness, disease

- Insurance Conditions B: Death, bodily injury by accident

- Insurance Conditions C: Subsidies are surgical hospitalization due to illness

Insurance money:

Be determined for the insurance conditions.

Insurance benefits

- Insurance Conditions A: insured died due to illness, illness of coverage, ABIC pay the full amount of insurance.

- Insurance Conditions B:

Accidental death insured under the insurance, pay the entire STBH ABIC.

Insured bodily injury by accident under the insurance, pay insurance ABIC under the "Table of disability insurance payments"

- Insurance Conditions C:

   Where the insured hospitalization coverage under, ABIC pay inpatient benefits.

            Where surgery insured under the insurance, pension payments according ABIC "Pay Table rate operation."

Sum insured and premiums:

STBH premium = premium rate x.

5. Insurance on a $ 10,000 personal accident

Subjects of application:

Vietnam or foreign people residing in Vietnam are aged between 16 and 70 years old.

Coverage:

Around the world

Insurance conditions:

Dead

Whole body disability due to accident

Permanent disability parts by accident

Medical expenses

Additional terms

Reduce income loss allowance

6. Insurance of tourists

6.1 Traditional Product Group

 Coverage:

- Sickness, disease, sudden accident insurance within causing bodily injury or death.

- The risk of damage, cause loss of travel luggage

Insurance forms:

All travel insurance; insurance hotel accommodation, insurance tourist destination.

Insurance money:

From 01 million to 10 million, depending on the choice of the insured person.

Insurance benefits:

If the insured person died by accident under the insurance, pay 100% ABIC STBH legal heirs of the insured person.

If the insured person bodily injury by accident, insurance pays for payee under the "Table of disability insurance payments" issued by the Ministry of Finance.

If the insured person dies due to illness, disease covered by insurance, to pay 50% ABIC STBH legal heirs of the insured person.

Insurance fees:

By STBH premium rate x x number of days of travel.

6.2 Insurance products using relief services Intl.SOS

Coverage:

The actual costs incurred in the case of insured sick, illness, or an accident while traveling abroad. Period covered: not exceeding 90 days.

Insurance benefits:

ABIC insured pay for the necessary medical expenses such as outpatient treatment, (pre-medical and pre-physician's prescription drugs, money radiography, laboratory, diagnostics), Therapy, Treatment teeth (acute pain), inpatient surgery ...

ABIC same international aid agency SOS International offers:

+ The travel assistance services to foreign tourists as: Information on visas, vaccinations situation abroad, the names and addresses, working hours of the consulate, embassy offices translation worldwide ...

+ The medical support services, moving emergency medical repatriation, repatriation.

Insurance money:

According to the level of $ 20,000, $ 30,000, $ 50,000

Insurance fees:

Depending on the number of travel days; insurance amount selected ...

7. Insurance pupils and students

7.1 Comprehensive insurance for pupils and students

Participants:

Pupils and students studying in all schools in Vietnam from kindergartens to secondary schools, vocational colleges, universities and professional schools.

Coverage:

All these risks occurring to students at any time of the year, within the territory of Vietnam. Coverage includes 3 separate insurance conditions, including:

- Insurance Conditions A: Deaths from illness.

- Insurance Conditions B: Bodily Injury or death due to accident.

- Insurance Conditions C: Subsidies hospitalization due to illness, disease, accidents

- Insurance Conditions D: Subsidies surgery due to illness.

Insurance benefits:

- Insurance Conditions A: the case of death insured under the insurance, pay the entire STBH ABIC.

- Insurance Conditions B: cases of death insured under the insurance, pay the entire STBH ABIC; case insured bodily injury by accident under the insurance, pay insurance ABIC under the "Table of disability insurance payments"

- Insurance Conditions C: insured cases require surgery due to illness, disease, ABIC paid insurance under the "Table of paying insurance operation."

- Insurance Conditions D: insured case of sickness, disease, accident insurance covered hospitalization, ABIC insurance pays 0.3% per day and no more than 60 days STBH / insurance year.

Sum Assured (STBH):

From 01 million to 10 million, applied for 03 insurance conditions,

Insurance fees:

By STBH x Rate of premiums.

8. Insurance workers compensation

Participants:

 As the employer of the enterprise.

Coverage:

This insurance will pay compensation in case of death, permanent disability or temporary disability of the employee due to labor accidents and occupational diseases.

Insurance benefits:

Where the employee death or impaired capacity to work permanently from 81%

Where workers reduced working capacity permanently below 81%

Medical expenses: maximum not exceeding the amount covered by the insurance option

Salary during treatment: The maximum limit of time at the option of the insured person.

9. Security cardholders

Insured Person: The cardholder is ABIC acceptable coverage under this insurance rules and insurance benefits when the insured event occurs.

Term Insurance: Term insurance is a year or as agreed.

Coverage: insurance ABIC the accident happened in the territory of Vietnam to the insured.

Sum insured: From 1 to 100 million dong.

STBH premium = premium rate x.

Interests of the Insured:

In case of death by accident insured under the coverage. ABIC pay the entire amount of insurance coverage.

Where the insured permanent disability due to accident insurance covered, ABIC paid under the "Table of disability pay."

Where temporary disability insured by accident insurance under

Additional terms:

Expand the geographical scope

Support services and medical advice by the Company provided Intl.SOS Relief

10. Credit Security

Insured Person: As individuals aged 18 to 60 years (in case of over 60 to 65 years old who have been insured continuously from 59 years) is approved for the loan and ABIC approved insurance coverage under this rule.

Term Insurance: Term insurance is 01 years or according to the agreement.

Coverage:

ABIC insured risks occurred in the territory of Vietnam, including:

- Death, total and permanent disability due to accident;

- Death, total and permanent disability due to illness, maternity.

- The additional terms: 001 / Enabled, 002 / Enabled, 003 / Enabled.

Insurance money:

From 1 million to 100 million

Insurance benefits:

- Dead;

- Total and permanent disability due to accident;

- Permanent Disability due to sickness, illness, maternity.

ABIC pay the full amount stated in the contract of insurance coverage.

ABIC will on behalf of the insured person to pay to the Bank the amount outstanding corresponding to the loans of the Insured or the entire amount of insurance (insurance cases smaller amounts outstanding loans). The amount remaining difference between the amount of insurance coverage and outstanding borrowings (if any) is paid to the Insured, the Beneficiary or legal heirs of the Insured.

Additional terms:

Disability insurance permanent division by accident

Expand the geographical scope

Funeral costs allowance




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